vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northland Group Inc
State: FL

Complaint narrative:
I am attaching proof that i filed a complaint with the florida office of financial regulation-division of consumer finance. The company XXXX XXXX, XXXX, is a company that isn't licensed to collect in the state of Florida, I verified the license thru the Florida website and this company name or any variation of the spelling is not listed at all. I even called that same office and asked them to verify that was search for that company license was correctly done. I was informed by the rep that my search was done correctly and they did not show that company not having a license. They also informed me that Northland group put in for a name change, to XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Norhtland Group informing me that I owe a debt and need to work out a settllement. My complaint is 1 ) they are not licensed to collect in the state of Florida as XXXX XXXX, XXXX which is who contacted me in writing, and 2 ) they are issuing Fraudulent allegations, stating that I owe XXXX XXXX, XXXX, and they aren't even operating under their correct name. This is clearly a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: AL

Complaint narrative:
I CHECKED MY XXXX INFORMATION REQUEST WITH THE SECRETARY OF STATE AND I HAVE NO LIENS PLACED AGAINST MY NAME. I SENT MY IDENTITY THEFT REPORT, PROOF OF IDENTITY, FTC NOTICE TO FURNISHER, AND COPY OF ACCOUNT STATEMENT SHOWING THE FRAUDLUENT ITEMS.NONE OF THE ACCOUNT LISTED BELONGS TO ME.TRANSUNION REPLIED THAT ( LETTER ATTACHED ) " IN ACCORDANCE WITH SECTION 605B AND FCRA THEY HAVE DETERMINED THAT MY REQUEST HAS EITHER A. ) BEEN MADE IN EROR B. ) A MISREPRESENTATION OF MATERIAL FACT RELEVANT TO THE REQUEST TO BLOCK AND OR C. ) I HAVE OBTAINED POSSESSION OF GOODS, SERVICES MONEY AS A RESULT OF THE ISSUE. '' I HAVE ATTACHED A REPORT RECEIVED FROM TRANSUNION WITH VARIATIONS OF NAME LISTED ON MY REPORT AND WOULD LIKE TO KNOW WHICH NAME DID THEY VERIFY THE INFORMATION ON. I ONLY HAVE ONE LEGAL NAME AND PROOF OF IDENTITY WAS ATTACHED WITH MY LETTERS. I ALSO WOULD LIKE TRANSUNION TO SHOW THE CFPB HOW DID THEY VERIFY THESE ACCOUNTS WHICH DETERMINED THEY CAN NOT PROCESS MY REQUEST. I HAVE ALSO SENT THEM A VALIDATION LETTER BY MAIL AGAIN AND TRANSUNION NEEDS TO REPLY AND SHOW THE CFPB WHY THEY DENIED MY REQUEST AND ALSO REPLY SEPARATELY BY MAIL.

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 2018-05-23 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: MARINER FINANCE, LLC
State: CO

Complaint narrative:
Mariner Finance received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from Mariner Finance in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the Mariner Finance homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, Mariner Finance only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.

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 2018-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: IN

Complaint narrative:
have a payday loan and interest rates are higher than what the law states

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 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
XX/XX/XXXX Notice from DC for tax bill not paid for first half. Contacted XXXX XXXX XXXX, my loan servicing company. They asked to fax the bill with my loan number, which I did on XX/XX/XXXX. 

XX/XX/XXXX Notice from DC Notice of Delinquency and must pay by XX/XX/XXXX or my house would go to auction. 

XX/XX/XXXX contacted customer service, submitted documentation and was told someone would call back within 24 hours. No call back. 

XX/XX/XXXX called back and finally got escalated to a supervisor, XXXX XXXX. She again loaded the documents and " escalated the matter ''. She said it would be worked in 3-5 days. 

XX/XX/XXXX I spoke with XXXX XXXX again, still not resolved. 

XXXX XXXX XXXX has now missed three tax payments, this is clearly a violation of their responsibilities as my loan servicing agent. They are the ones that insist on the escrow but are putting my home at risk. What if I was out of town and didn't see this notice, I could lose my home. 

I must have action by XX/XX/XXXX to avoid my home from going to auction. Their failure to pay {$2800.00} in fines. I can pay this but I will then have to sue them to get it back. This is plain incompetence that has caused me tremendous stress and time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I opened a joint account with my under age son around XX/XX/XXXX when he was about XXXX. The account stayed in both our names until a couple of months ago but once he was no longer under age the account was his. He had direct deposit and paid his bills from that account. He married and still kept the account and wouldn't go to the bank with me to close it. I was told at the time the two of us had to be present to close the account. 

In XX/XX/XXXX I entered the BB & T bank in XXXX XXXX Virginia for a financial transaction. During that transaction I was told my son was bouncing checks and he had to pay every time once bounced. I was told there was a check protection program. 

I was told that I could purchase a service were the bank would cover the amount of the bounced check and once my son deposited additional funds the amount of the bounced check would be deducted from those funds. I said I would like to purchase this service. 

Since he is now in is thirties and married I considered the account as his private account so I didn't open any mail from BB & T that had his name on it so I didn't see any information about the account. 

A couple of months ago I found out that since I was the primary account holder I alone could close the account so I did. Since then I've been getting pass due notices on a loan. 

I called the collection agency and the informed me that I did not purchase a check protection program. What I signed up for was an {$800.00} loan with an 18 % interest rate and a minimum payment of {$16.00}. Also they checked my credit rating to issue this loan. 

The words loan, credit rating check, {$800.00}, 18 % interest and {$16.00} never were said to me. I am in shock that the woman I spoke with would tell me one thing then without my knowledge opened a loan in my name. 

I was told the bounced checks would be covered by the loan they issues me and not temporarily covered by them until my son deposited more money. I never would have agreed to pay for his bounced checks at a rate of 18 %. 

I don't know if the woman didn't know what the program was really about or if this is a type of scam but there is no way I would agree to this. 

I called last week and was told someone would get in touch with me by today. No one did. I called again and was told someone would get in touch with me. I haven't heard from anyone. 

Please look into this for me. Thank-you

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 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/18 betweeen XXXX and XXXX XXXX I went in the TD Bank Branch on XXXX XXXX and XXXX XXXX in XXXX XXXX, NY to make a CASH deposit for {$1500.00} with the teller. The next day when I checked my account the deposit was not made. I don't have the receipt of my deposit. I spoke with XXXX XXXX about my issue and he assisted in the investigation. He looked at the Banks cameras from XXXX to XXXX, but he did not recognize me coming in the Branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I made a payment for {$2000.00}, that payment amount was a mistake. My monthly payment is {$250.00} a month. I am an XXXX veteran with XXXX XXXX and did not notice this mistake until XX/XX/XXXX when Ally Financial contacted me because of late payments on the account. That day since I noticed the over payment I told them to take the payments that were due from the {$2000.00} and refund me the rest. I called again on XX/XX/XXXX to check the status of the refund and payments and they told that they needed another 24 to 48 hours to complete the process. I called again today XX/XX/XXXX and they said that they applied part of the {$2000.00} to the months past due and the rest they applied it to the principal balance of the loan. They do not want to refund me anything and did not authorized the transaction to apply the remaining part of the {$2000.00} to the principal.

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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
My family and I moved to TN in XX/XX/XXXX and before moving I terminated our XXXX XXXX XXXX account. After said move I noticed that Franklin Collection Services was reporting on my credit report with a debt. Upon seeing said report I promptly contacted Franklin Collection Services and was told that the collection was for XXXX XXXX XXXX. I explained to Franklin Collection Services that I had not received any notice that told me I had any past-due amount and that no one had contacted me regarding this issue. Franklin Collection Services told me that I could pay the debt and the account could be closed. In XX/XX/XXXX I made payment to Franklin Collection Services of {$140.00} which paid the debt in full and the account was closed on XX/XX/XXXX. After closing the account I contacted Franklin Collection Agency to ask them to remove the closed account from my credit reports to which they said " XXXX XXXX XXXX will not allow us to take the account off the credit report ''. My family and I are trying to buy a home and this negative mark on my credit report is hurting the chances of getting that home. No one had contacted me regarding this issue. I paid the account in full. I would like the negative mark removed completely from all 3 credit reporting agencies. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX someone had fraudulently used my American Express CC and charged {$12000.00} in American Express points. I had contacted AE on XX/XX/XXXX and talked with XXXX who had stated the {$12000.00} charge would be credited and the problem would be resolved. On my XX/XX/XXXX statement the {$12000.00} charge was still on my account along with interest charges and fees. On XX/XX/XXXX I talked with XXXX at AE and she said AE would credit my {$12000.00} charge along with interest charges and fees. She stated it would take 30 days. On my XX/XX/XXXX statement the {$12000.00} charge was credited but there were interest and and fees still on the account - American Express never credited the interest and fees from the {$12000.00}. I assumed AE would credit the interest and fees. In XX/XX/XXXX I contacted AE and XXXX stated the interest charges and fees would be credited back and that my statement balance would be XXXX. She stated it would take 24-48 hours to be corrected and I would get an email showing the credits. When nothing happened in 7 days, I called AE again and talked to XXXX who stated the interest and fees would be credited and it would take 7-10 business days. In the meantime I am applying for a conventional mortgage with my husband to purchase a house. I received a call from our bank that American Express has reported me to the credit bureau and that I have bad credit. This has had an influence on my husband and I purchasing a house! I called American Express again and talked to someone who said it was the Fraud departments 's problem to fix, the Fraud department stated it was the Rewards problem to fix. I asked to speak with a supervisor - actually for the last 6 months - and finally someone gave my " case '' to a " Team Leader '' at American Express. The Team Lead called me back and said all of the interest and fees have been reversed and credited and that a letter was sent to the Credit Bureau stating that but that it would take 30 days. I don't have 30 days - for getting my loan I need this resolved ASAP. My latest statement XX/XX/XXXX states I owe {$250.00}. I also received a letter from American Express that they are closing my account. I need a letter for my bank stating the charges were in error and have been reversed - it was not my fault - and that I have good credit!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
The original medical provider completely mislead me into thinking that my insurance will cover ALL of the costs associated with treatment. I was very specific with him and he was very insistent that all costs will be covered by insurance. Well, as it turns out, this was NOT the case. Not even close. The part that really gets me is that my insurance does provide me access to acupuncturists that it will cover ALL of the costs. 

What was the point of me going to someone for treatment that will require me to pay out of pocket when I have an option for the same service at XXXX out of pocket cost? 
This was unexpected to say the least. After all of that, I still paid out of pocket in the amount of {$500.00} but that is all that I am willing to pay. Even that is too much. This is a very direct instance of the medical provider deliberately misleading me so they can get the business. 
I object to this debt and I dispute the validity of this debt. This is a complete sham and the original medical provider should be ashamed of himself. He looked me straight in the eyes and told me that insurance will cover everything, you wont have out of pocket costs. THAT is the only reason why I agreed to the treatments. Well after a few treatments and after they bill the insurance, they start trying to bill me. 
I want this account to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am providing by request from navy federal. On the XX/XX/XXXX the transactions that need to be addressed. I did this in XX/XX/XXXX XX/XX/XXXX and 2 times this year. I cant see credits from navy federal anywhere on here. The only deposits made to bring account positive were my deposits. They paid Bill 's when I asked them not too. And they tried each bill 2xs with fees and no refunds. By doing this they made a horrible situation worse. And took account to XXXX dollars. There were no credits for the fraud or checking account checks due to them. My mom XXXX XXXX XXXX was a joint owner on this account. I have provided death certificate twice. This fraud attacked her and I. Since she was a joint owner this account should have been taken to XXXX balance and taken off all reports. Please look at uploaded material and notes I've made for you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
After refinancing my home and closing with my new lender on XX/XX/2018, my former mortgage with M & T Bank was paid in full and funded on XX/XX/2018 In XXXX, I was notified by XXXX XXXX and my credit monitoring service that I had a derogatory/30-day late reported for XX/XX/2018 from M & T Bank I contacted M & T and asked them to explain because this was inaccurate. I have never made a late mortgage payment. M & T told me they marked my late because the received payment on XX/XX/2018 and that was 30 days after payment was due. I told them that did not make since and did not coincide with federal laws. M & T told me to file a complaint and they would investigate and get back to me. 

A couple weeks later, I received a letter from M & T saying they would not remove the derogatory mark from my credit report and they pretty much stood by the information stated to me previously. 

I also received a paid in full letter from M & T Bank stating my loan had been paid in full on XX/XX/18 ( attached to this email ) I filed a dispute with the credit bureaus and M & T changed some of the wording on my credit report but failed to remove the 30 day late from my credit report I worked with a credit reporting agency and had a conference call with my current loan officer, credit agency and M & T bank last week. In that conversation, the rep ( XXXX ) from M & T Bank said in plain language I never made a late mortgage payment and was on time in XX/XX/2018 because the loan was paid off on XX/XX/2018 After our conference call, the credit agency called M & T back and a supervisor ( XXXX ) said they would not remove the late payment from my credit report I have never made a late mortgage payment and I am disappointed with how M & T Bank is handling this matter. I am not in opposition of legal recourse if this matter is not remedied.

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 2018-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
XXXX XXXX keeps calling and emailing me saying I owe money to them and if I don't pay I am going to jail. I am not familiar with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: MA

Complaint narrative:
Credit Bureau Associates-Northeast IncXXXX for amount of {$4300.00} and account number is XXXX. I have sent Credit Bureau Associates-Northeast Inc. a debt validation again and they have not responded and still have account listed on my credit report with XXXX, XXXX and XXXX. The account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I bought the car Contract Date : XXXX. XXXX XXXX XXXX I as the maturity date on the car is now showing XX/XX/XXXX due to consumer making non-requested extensions on this loan. Amount Financed : {$13000.00}. 

Per the company as of XX/XX/XXXX : Thank you for validating your account information. I wanted to reach out to you in reference to your concern about your account. Currently your payoff if paid today it will be {$10000.00} which this includes interest accrued of {$970.00} and your principal balance being {$9900.00}. You have currently paid {$110000.00} in interest and {$3100.00} has applied to principal balance. You are accruing daily interest on your account. I can send you a copy of your contract if you would like. 

SO I HAVE PAID OVER THE AMOUNT CONTRACTED BY NEARLY {$1100.00} AND THE COMPANY IS INDICATING I STILL OWE THEM AN ADDITIONAL {$10000.00}. OVER {$11000.00} WAS APPLIED TO INTEREST WHEN THE CAR WAS FINANCED AT {$13000.00}. TO PAY {$10000.00} PLUS THE {$8000.00} IN REPAIRS REQUIRED THATS OVER {$32000.00} ON A XXXX XXXX XXXX I WITH XXXX, XXXX MILES.

Company response to consumer: Closed with explanation