vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am trying to refinance my rental property. I had a Chap XXXX Bankruptcy XXXX in XX/XX/XXXX. This year in XXXX will be 7 years. I had to shortsell my primary residence in XX/XX/XXXX after years of trying to save it. While it was included in the bankruptcy, I was trying to get a loan modification. In the end the payments were too high and I had to short sell. XXXX has rules in place that state you must wait 4 years after the XXXX to be approved for a refi. The mortgage debt was included in the Bankruptcy and yet I'm being held to the shortsell dates in addition to the Bankruptcy years for a total of 11 years before I can qualify for a home loan refinance. This is not fair, the debt was XXXX and I've waited my XXXX years. Someone needs to review these scenarios as this is not unusual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested verification of this debt in which should follow the Sections 609 of the FCRA ACT.The company XXXX XXXX  did not send any verification. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Due to misunderstanding, medical debt was sent to collection. I sent a check immediately to the address in the letter for the amount of {$52.00}. The check cleared on XXXX, but I continue to get letters from the collection agency saying I still owe the debt. I communicated back to them AND to the original XXXX. to stop with the letters, but today I received yet another one. 

Transworld Systems Inc Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I am concerned it could impact my credit when I handled it as soon as I knew the XXXX. office didn't consider the matter settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been at the same residence 25 yrs. After my card was declined with no notice When I questioned t what happened. I was told more than one story and was told to submit 4 types of I'd. Their agent told me I could cancel the card but could but she could not tell me about the questionable activity and advised to leave the account open. If you don't know someone's I'd. How can you allow them to cancel an account? After years with Capital One I believe their customers are at high risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Multiple dates, multiple times with no messages left. When I answer the call drops.

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 2018-03-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested verification of this debt in which should follow the Sections 609 of the FCRA ACT.The company XXXX XXXX  did not send any verification. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Leased a new vehicle from XXXX XXXX ( a subsidiary of XXXX XXXX ). I was under the impression that my lease was on auto-pay ( the first month was paid with delivery of the vehicle ). I was NEVER informed by writing or phone call until 2 months after my payment was due. My credit was severely impacted by this negligence. I called XXXX XXXX however they refused to take the marker off my record and mentioned that I have to speak with the dealership. The dealership said they can not do anything and I have to speak with XXXX XXXX.

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 2018-03-26 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: CA

Complaint narrative:
I Leased a new vehicle from XXXX XXXX ( a subsidiary of XXXX XXXX ). I was under the impression that my lease was on auto-pay ( the first month was paid with delivery of the vehicle ). I was NEVER informed by writing or phone call until 2 months after my payment was due. My credit was severely impacted by this negligence. I called XXXX XXXX however they refused to take the marker off my record and mentioned that I have to speak with the dealership. The dealership said they can not do anything and I have to speak with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
My girlfriend & I were scammed out of {$140.00} when attempting to buy event tickets through XXXX & paying through XXXX. XXXX 's website seemed legit but their " only send funds to trusted recipients '' statement was hidden in their website & not clearly displayed. Because funds were easily pulled from my Citizens Bank checking account, I believe the transaction was legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
Received a notice by mail for a medical transportation debt. I haven't been in an ambulance or any medical transportation in over 20 years. 

Received notice XX/XX/18 from Debt Recovery Solutions LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have been attempting to dispute an illegal collection account on my credit report for many months now. I have submitted two different complaints through the financial protection bureau about XXXX  XXXX. It has been IMPOSSIBLE getting any information about this incorrect account on my records, I do not owe any medical debt I am a XXXX recipient in state of California and I pay XXXX dollars every where I go and it has been this way for 7 years. In XXXX I got a notification from my credit monitoring that a XXXX XXXX  ( mysterious company ) has placed a negative collection against me for a mysterious debt which I DO NOT OWE! they ruined my credit and I lost over 160 points from them reporting me as a delinquent person to the credit bureaus. I disputed this and the CFPB required more information about them and for the LIFE of my I can not find who theses people are and where they came from and where there illegal debt originated from. 

I HAVE NEVER received a single letter, phone call, email or any correspondence AT ALL about any debt I owe and this company has illegally and prematurely reported me right away as a " in collection '' and I have no knowledge of this debt nor have I ever been to a XXXX or had labs done outside of my doctors office where my XXXX is on file. 

These people are vultures and snakes and they have ruined my life without warning me, notifying me or discussing anything or any invoices with me. How dare they??? I hope that they are found guilty of violating FDCPA laws and are SHUTT DOWN for illegal practices. SHAME on them!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX. 
Made on : XX/XX/2017 and XX/XX/2017 Made with : XXXX, XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and Bank of America. There could be more but these are the two which I received letters for.

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 2018-03-26 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: NC

Complaint narrative:
On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and XXXX XXXX XXXX. There could be more but these are the two which I received letters for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I am on the XXXX program. XXXX has, for 180 days, failed to properly calculate the number of payments I have made on my loans. I have been paying as a XXXX employee since XXXX of 2010, and they are claiming to only have records of the XXXX payments made to them, and are " researching '' the remainder. 

Additionally they are requiring recertification XXXX months ahead of schedule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Last week, I received a message when I tried to login to my Chase account online that told me my checking and savings accounts were being closed. I immediately called them and they confirmed they were closing my accounts, but they couldn't provide a reason why. I then went into the closest Chase branch ( where I had opened my accounts ), and tried to get my money out. The banker there told me she could not give me money. I had XXXX in my accounts, so this is not a small amount of money. She gave me the same number I had called before and told me to call them. They told me they are holding my funds while they investigate my accounts. I'm not sure why they even closed my accounts in the first place, but it is ridiculous that they can hold my money after they close them. I want a check mailed ASAP for the balance of my accounts so I can pay my bills. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In mid XX/XX/XXXX I've noticed that one of my Bank of America credit accounts has been removed from XXXX credit bureau. 
I contacted the bank, a case number XXXX for account ends with XXXX was opened. 

About a month later I got a letter with the result : during the investigation they found that account reports correctly to XXXX and XXXX bureaus, but it doesn't report to XXXX. 
I was told that in case I want that account to be reported to XXXX, I have to fax signed request and provide the account number, so I did on XX/XX/XXXX to a fax number : XXXX to attention of XXXX XXXX. 

Two weeks later, in XX/XX/XXXX I got a second letter with the same request and on XX/XX/XXXX I've sent another fax message with the same request to report my account to XXXX. ( attached ) A month later I called and asked about the status, but I was told the case is pending until XX/XX/XXXX and I have to wait. I've asked few more times to get a witten letter with the case status, and finally my request was accepted and at the end of XXXX I got the letter under another case ID ( attached ), but the letter gave me no information at all. 

When I called on XX/XX/XXXX, they refuse to discuss and told me the case is pending until XX/XX/XXXX and I have to wait. 

Today I was told that the case is pending until end of XXXX and I have to wait. 

The account is still missing from XX/XX/XXXXcredit report. 

Please advise. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: MI

Complaint narrative:
Stearns Lending, located at XXXX XXXX XXXX XXXX  XXXX, VA XXXX is a low budget, poorly managed company. I own many homes across the US and this is by far the worst company to conduct business with. The mortgage insurance depart failed to complete a simple mortgage e-bill with XXXX back in XX/XX/XXXX. As a result, the policy was cancelled and not caught by Stearn 's mortgage team until XX/XX/XXXX. Stearn 's sent 1 notification letter stating a cost 2X the market would be placed on my home for lapse in coverage retro dated to XX/XX/XXXX. I was informed that if I did not respond by mid XX/XX/XXXX, the policy was continue for the upcoming year. I was shocked and appalled by the lack of professionalism in the process as I spent >8 hours on the phone unpeeling the history and cause of this error. The results left me with on out of pocket lost of over {$1000.00} and continued frustrations. The error was not mine but I am paying an unreasonable rate for the gap in time that already passed. Stearn 's predatory practices allow them to pray on consumers trust and strip profit from both their mortgage and insurance departments.

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 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
I have a loan that is serviced by roundpoint mortgage. On XX/XX/XXXX my wife received a call from our insurance agent stating that our loan servicer had not paid our insurance premium, even though it was being escrowed. I immediately called roundpoint. I spent almost 1 hour on hold. The lady I spoke with said they had not received a bill and she would call my insurance agent. I was placed on hold and when she returned she said it had been worked out. On XX/XX/XXXX I received a letter from roundpoint stating that my insurance had expired and I was required to prove I had it or they would buy insurance for me at a higher rate. I looked at my account online and it showed no payment being applied to my insurance, even though it showed my insurance company and due date on the escrow portion of the account page. I again called roundpoint. As I type this, I have been on hold for over 1 hour and 45 minutes.

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 2018-03-26 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: CA

Complaint narrative:
In the Month of XX/XX/2016 I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them  stating I owe {$3700.00}. 

The cause is that in XX/XX/2016 I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00} to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided OFX.csv which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. 

The discrepancy occurred in the Month of  XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/2016 per Reference :  XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 
XXXX ) XX/XX/2016 per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION. 

I have called American Express several times to explain the situation and they only seem to send me my complete XX/XX/2016 statements. Unfortunately, they will not look at the OFX.csv file as proof of this error and they only rely on their Statements which are part of this error. To further my troubles the American Express agent told me that there is nothing I can do to fix the discrepancy between the OFX and the PDF 's and I should just pay the amount they see as owed. I estimate that I have spent 11 hours on the phone with American Express and 5 hours on my own time figuring out what the root cause may be. At this point I would like American Express to find where the discrepancy is between the American Express statement and the American Express OFX.csv file. 

I do have a statement from my certified public bookkeeper that supports my case in the American Express has performed an accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I sent 2 letters requesting specific information regarding : 1. Agreement that grants them the authority to collect on this alleged debt, or proof of acquisition by assignment.

2. What did you pay for this account, and how did you calculate the current amount owed?

3. Proof of notice by certified mail with my signature.

Company response to consumer: Closed with explanation