vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
GM Financial was paid in full in XX/XX/2018. I have called, disputed it with the credit reporting agencies, ( XX/XX/2018 ) that the loan is paid in full but still shows open on my credit report. When I called GM ( XX/XX/XXXX & XXXX ) they states that they didn't do updates bcuz they were switching over to a new system which is unacceptable to me. It has affected my credit. When the credit reporting agency contacted them they told them it will be corrected but it's been months and it's still not reported correctly. I called XXXX again ( XX/XX/XXXX ) today & they are still giving the same story. I was also told in XXXX, I will get a Paid If Full letter, it was not generated so I requested it again today. I'm trying to get a mortgage & having 2 open car loans when I only have one is a issue. It's showing my debt higher than what it actually is. Please help. Consumers should not be penalized for XXXX XXXX issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Last year I checked my credit report and found the debt listed with different companies. I disputed them all through the credit bureaus and it was removed. A year later which is now a different company reported this debt to my credit files and when I spoke with a person from their company he it was my debt and I must pay or it will destroy my credit which it has since it keeps being reported then taking off. They ended up sending me a paper that showed Diagnostic and codes. I had my ssn used years ago so its hard telling what that person did. Also SSN and DOB are so easy to get now of days i don't trust anyone just becasue they have that. I believe they have crossed HIPPA Laws in some way. Why would they keep removing and adding it? So they can keep hurting my credit! Its wrong especially when the credit bureaus removed well over a year ago. 
Company is : Debt Recovery Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2018, JP Morgan chase closed all my 4 credit cards account without notices, with no reason. 
And Chase also closed my checking account with no reason, no notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I opened an account in 2003, checking at Suntrust, and they automatically added an overdraft protection line of credit. It was set up as auto-draft for repayment. They took out {$10.00} per month if it had been used to cover an overdraft. When I found this on the report, about a year ago, I went to the bank. It took them an hour to even find it since they don't do Overdraft LOC anymore and it was archived in their system. However, once I started trying to get it corrected or even removed, they bowed their back and said it was being reported correctly after almost 7 years. This bank in particular seems to take pride in telling customers NO. No one that I ever worked with is even there and no one can confirm or deny my allegations of auto-draft for repayment. This is hurting my credit and should be removed after 7 years in XXXX but it should have never been on the report. No one there is empowered to use common sense to evaluate my request but only say it is reported correctly. IT IS NOT. They have total control and are not going to be told they are wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
I recently was notified that my morthage servicing was reassigned by XXXX XXXX XXXX to PHH Mortgage. On XX/XX/2018, I called to inquire into the reassignment and learn about payment options. The representstive stated that the only way to avoid payment related fees was to either mail a check or sign up for paperless billing/statements. XXXX XXXX XXXX did not have any hidden fees. PHH Mortgage is charging an additional {$17.00} for payments over the phone ; {$10.00} for utilizing the telephonic automated system or {$7.00} for paying online. This is absolutely ridiculous. XXXX XXXX XXXX did not charge these hidden/additional fees. PHH Mortgage is basically getting a windfall in these fees from consumers that merely want to pay their mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX my 24 month interest free promotional was coming to an end. I paid the remaining balance of that promotion on XX/XX/XXXX in the amount of {$3800.00}. On the next bill I verified that amount was posted. However on XX/XX/XXXX 's statement they reversed the payment and added the 24months of deferred interest ( {$2900.00} ) to the account. I have tried to resolve several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I have requested the collection agency to provide me validation of the debt or information to show that they can collect on this debt. They have failed to provide me a copy of the lease or anything showing the amount and how it got to that amount that they are saying I owe. I requested validation on XX/XX/XXXX,  XX/XX/XXXX and I have received no information. I attempted to contact the office both times there representative would only discuss how i would be paying the balance of XXXX by credit card or check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: MD

Complaint narrative:
Portfolio Recovery purchased an old debt from XXXX XXXX XXXX XXXX which I believe is a XXXXXXXX XXXX card. I contacted them about the validity of the account amount and dates which I believe to be incorrect and recieved no proof in return. They began reporting delinquancy on my credit report and changing the year of the account open date to more recent dates in order for it to remain on my credit report. I disputed with the credit reports and the only resolution that came from it is the account now states dispute resolved, cunsumer disagrees. Not only are they reporting wrong information damaging my credit but they call multiple times daily, at odd hours, from different numbers, sometimes leaving messages pretending to be legal companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I made 2 payments towards my principle and interest of XXXX the total payment was XXXX I was advised on a recorded line that once the 2 principle and interest payments have been applied I will be due for XX/XX/XXXX and XX/XX/XXXX payment. I received a letter of default onXX/XX/XXXX advising I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment. I called in the evening of XX/XX/XXXX as soon as I received the default and representative advised he sent in a request to have this corrected. I call in on XX/XX/XXXX and was  advised by a manager this will not happen when I spoke with manager day before and was advised this would be corrected. If you go back and calculate the p & i payments that I have made since XXXX my loan should only be due for P & I for XXXX. Which that makes me have a shortage in my escrow account which I will make a lump sum payment in XXXX to bring current. 
I was advised by the representatives from select servicing portfolio to make p & i payments to bring mortgage current and that's what has been happening only to find out today that ever person I have spoken to since XXXX per the manager has been incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I applied for a used automobile loan with my bank, the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, New York. During this process, the bank noted my credit rating had dropped from the 800s to the 700s due to one past due account. I immediately contacted all 3 credit  bureaus. On the first site, I quickly located the problem, which was a credit card listed as XXXX ( translated as XXXX XXXX, XXXX XXXX XXXX ). Since I did not open this account, I filed disputes with the 3 bureaus. XXXX 's on-line process was completed in minutes, as well as XXXX. However, Equifax proved to be impossible. After two attempts at filing an on-line dispute, I was unable to tell if my request had been processed. The other bureaus gave me a file or confirmation #. This one did not. On XX/XX/XXXX, attempts to reach Equifax by phone ( XXXX ) were met with continuous instructions to use the website, with no option to reach a person. After a while, I finally located a different number ( XXXX ), and reached a person. This representative was difficult ( and at times impossible ) to understand, asked most questions twice after they had been answered and was generally robotic and unhelpful. I had to twice ask her to spell words that she could not pronounce. After 10 minutes of answering security questions over and over again, she advised me my answers were wrong ( they weren't ) and I will need to fax my license, a copy of my SS card and a letter to them. 

My credit rating has remained above 800 for decades. This fraudulent credit card was opened in my name and I want it corrected. Two of the three companies were able to do their jobs. I am filing this complaint against Equifax because I am very concerned about the level of professionalism and their inability to perform a basic function of their mission. My credit rating still remains very good, and this did not prevent me from getting a loan, but it did raise the interest rate I was offered for the loan. This obviously needs to be rectified and Equifax seems to be unable to help me. Thank you for your anticipated help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: IL

Complaint narrative:
Debt collection letter received on XX/XX/2018 from Allied International Credit Corp., XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Letter says " XXXX '' is the original creditor for a debt amount of {$170.00}. Letter states I have 30 days from receipt of the debt collection letter to dispute or validate the debt. The debt collection letter has a reference number of : XXXX. A phone number supplied in the debt collection letter is : XXXX, same as the XXXX XXXX " XXXX XXXX '' method of payment. The contact name for payment is : XXXX XXXX. 

I have not had any interactions with XXXX  in last 6+ months. I checked my XXXX account today and I have no transactions or items being sold. My XXXX account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My mother, XXXX XXXX, received a letter from National Credit Systems on behalf of XXXX XXXXXXXX XXXX in XXXX, NC on XX/XX/2018 about a balance of {$2100.00}. Eventually, the balance was reported as a collection to both myself & my mother 's credit report. The issue with this is that neither my mom or I had ever stayed at XXXX XXXXXXXX. My brother/her son, XXXX XXXX stayed at the apartment. I have never received any correspondence from National Credit Systems about this matter, just my mother. On yesterday, she received an itemized invoice, filled with frivolous charges, including damages to the room & that the keys weren't turned in. He no longer lives at XXXX  XXXX & he made sure everything was taken care of. He was the one financially responsible for this apartment, but yet isn't suffering any type of consequences. My mom & I sent NCS both a " Cease & Desist '' letter, as well as a letter to explain the situation, yet they are still reaching out to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Around XXXX of XXXX I noticed XXXX XXXX XXXX reporting an open account on my credit report. I immediately called them to ask why they are reporting an open account on my credit report and was told that I applied for this account and purchased something for {$480.00}. I told the person I talked to that I did not make any purchases with their company nor did I ever apply for a credit card with them. I was then transferred to the fraud department who then told me the account would be closed down and that I will not be liable for any charges on this account. 
I then received a letter, dated XX/XX/XXXX, claiming that merchandise was shipped to customer 's verified address and unable to accept my fraud claim. I called once again and got into an argument on how they can not conduct a proper investigation. I then filed an Identity Theft Report with the Federal Trade Commission and sent them copies by Certified Mail and received another letter claiming a paper copy of the application is no longer available and totally ignored my identity theft report and also sent me a new statement showing a balance transfer of {$480.00} and with a new balance of {$510.00}. I did not conduct any business with XXXX XXXX   or XXXX and should not be held liable for an account that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I have been sending money to my friends in XXXX for several years. The money I send supports two families that otherwise would be in dire situations. I have been using XXXX to send the money. I recently moved which meant I had to update all of my financial information and update my account on XXXX. However they do not provide a way to update your e-mail address. So I called and spoke to customer service. I was told I would need to close my current account and then open a new account. The service rep closed the old account and I opened a new account. But when I attempted to send a transfer to my friend I received an e-mail saying the account had been suspended and that XXXX  would no longer accept transfers from me. When I asked why they refused to give a reason except to say it had nothing to do with my change of address. 

I decided to open an account with WorldRemit. They allowed me to open an account but once again when I sent the money I received an e-mail saying my account didn't meet their criteria as outlined in their terms and conditions. When I asked what exactly they wouldn't say. 

The fact that both companies have refused to send money leads me to believe that either someone has stolen my identity or my name is on a list somewhere. Is there some way to find out what the actual issue is and hopefully get it cleared up so that I can continue to help my friends? These are people I've known for several years and visited twice in XXXX. I don't want to let them down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ( Beneficial ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275. These laws require a mortgagee ( Beneficial ) to  execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. Beneficial has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, Beneficial states, The loan was sold and transferred to XXXX effective XX/XX/XXXX. XXXX states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and XXXX is the mortgage servicer. If the loan was sold, as Beneficial states and XXXX confirms, Beneficial is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. If the erroneous mortgages were transferred/assigned to XXXX, as Beneficial also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by Beneficial to XXXX, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both Beneficial and XXXX remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since Beneficial has sold and transferred the aforementioned mortgages without adhering to established law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Last night XXXX at XXXX XXXX CST XXXX XXXX called asking for me. I told them they had the wrong number because I get so many spam/fraud calls all the time, plus I didn't realize it was XXXX XXXX until after the call and I looked on my caller ID. They did not identify themselves and who they were with when I picked up.. The phone rang for like 2 minutes, that's why I picked up. I have a company working on consolidation for this debt and XXXX   knows this. They called me at XXXX XXXX, that is too late and when I told them they had the wrong number they said, you mean to tell me you don't know who XXXX XXXX is? Very aggressive.. Then they said, I am going to leave a message for XXXX. I said, you have the wrong number. the way they acted I thought for sure it was a scam call because of how rude they were. Then they said, okay. well, I will just be contacting all of her family members then. I said, okay. Hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an account that has already been removed from my report, the creditor is now sold to a new company reappearing. As previously discussed and stated not my debt! 

XXXX XXXX XXXX collection Agency - XXXX XXXX XXXX. XXXX XXXXXXXX XXXX to do not any legal rights to post on my credit report. I nor them have a signed contract regarding this claim. 

Resulting in this claim has dropped my credit score. 

The collector must send you a written notice within five days after you are first contacted to tell you the amount of money owed, the creditors name and what to do if you believe you do not owe the money. This validation notice warns you that if a debt is not disputed it is considered valid. - this never happened the debt collector did not follow suit.

Company response to consumer: Closed with explanation