vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System reported an account that belonged to someone that with a similar name that does not belong to me. I have never lived at this property called " XXXX XXXX XXXX XXXX XXXX  '' in XXXX, Texas and I have never signed a joint contract with XXXX XXXX ( I've never heard of that name before and it is not even closed to my wife 's name ). 

I have tax records and a lease contract copy that proofs I was living in a different state at the time. 

I disputed with XXXX last year and they removed from my report but now this collection is showing in my XXXX credit report. I disputed with XXXX but they came up with the resolution below : " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I demand that this account be removed from my XXXX  credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: WA

Complaint narrative:
Netspend has sent me cards before. I have no interest in ever doing business with them. Reviews are horrible and have many reports of losing people 's money. 

My issue is they sent a card that needed only to be activated that I never requested. Now more then once. This company does nothing for a consumer.

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 2019-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HomeTown Lenders, LLC
State: AL

Complaint narrative:
We started a morgage with home town lenders out of XXXX AL the second week of XX/XX/2019. 
We chose to change companies when the broker we are working with left home town lenders. 
I have contacted them through two different individuals both with emails so it would be in writing that we have chosen to leave and go with another lender. 
However we have gotten the run around over our appraisal needing to be released to our lender, they will not even let me know the full cost so that I can pay for it. 
Home town lenders is supposed to work for their customers correct? 
Their doing nothing but causing us unwanted grief I feel because we decided to move to another lender. 
I contacted their cooperate office today, and still have no updates, I feel they are dragging their feet because they know they can. 
Could you please help us receive the cost total so we can pay it and help us be sure they forward the appraisal document so you can close on our house. 
Thank uou

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: WI

Complaint narrative:
This debt was included in a amortization of debt. We filed in XX/XX/2018. And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX  is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true

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 2019-03-12 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: WI

Complaint narrative:
This debt was included in a amortization of debt. We filed in XXXX of 2018. And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX  in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This debt was included in a amortization of debt. We filed inXX/XX/2018 And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX  is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true

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 2019-03-12 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: DISCOVER BANK
State: NY

Complaint narrative:
The Reason for my complaint is that I don't know what happened, One day I get a letter from Discover saying that my account is closed - Called several times to find out the reason they closed my account which only resulted in a letter saying they have done an internal review and decided to close my account. 

All I would like is an answer of why my account was closed, I was NEVER late nor have I defaulted on the account. If they have me linked with another account then I believe I should be aware of the situation. 

Opened the account in XX/XX/XXXX - until I was closed in XX/XX/XXXX credit line of {$13000.00} which I am still paying always on time Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I became aware that my identity was stolen. I immediately filed a police report with XXXX Police Department. Personal Finance was listed in the police report. I called Personal Finance explaining the fraudulent activity, sent over a copy of the police report, and identity theft affidavit. The account was removed off my credit report, and to my knowledge, the account had been closed and resolved. Since the Summer of XX/XX/XXXX, I have not received any phone calls, voicemails, or letters stating otherwise. 
On XX/XX/XXXX however, I received a notification saying that there has been a change to my credit report. Personal Finance sold the fraudulent account to XXXX XXXX XXXX, placing negative activity on my credit report. I called the Personal Finance home Branch in XXXX, IL to inquire. The representatives stated that they no longer had access to the account and directed me to contact their Customer Relations team ( XXXX ) XXXX XXXX. While going over the fraudulent account with the Relations agent, he expressed to me that there were notes in the account stating that the account was to be deleted based on a police report outlining fraudulent activity. I, then, called XXXX XXXX to address the miscommunication. Neither parties could answer my questions, therefore, giving me no hope for a solution. 
On XX/XX/XXXX, I called XXXX to dispute the account. To further support the dispute, XXXX  advised me to obtain the written notes from Personal Finance concerning the fraudulent account. I reached out to Personal Finances Customer Relations team again. The representative declined to give me any information about the account. She expressed that they could not provide a letter, however, she would pass the account on to the fraud specialist, XXXX XXXX, and he would contact me. I asked if he could do so today, she stated that he was not in the office. I asked for his approximate return date, she was unsure. I requested his direct line, she declined.

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 2019-03-12 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: WA

Complaint narrative:
Equifax is not reporting my home mortgage correctly on my credit report. They are indicate that home mortgage account is " Closed ''. The bank that carries my mortgage " XXXX XXXX XXXX XXXX XXXX   '' did not report my information correctly to three credit bureau after the completion of Chapter XXXX. My mortgage company has corrected this issue. They submitted this information to all ( 3 ) XXXX, XXXX and Equifax. XXXX  and XXXX have already made the corrections to my credit report. I have spoke with Equifax numerous time over the last two months with no resolution. My last conversation with Equifax was on Friday XX/XX/19. It was due to I could not access their online dispute action center for status of my claim. I tried work out over phone, but got know where with them except frustrated and upset. They ask me to submit a 4th dispute by Fax, which I did on Friday XX/XX/19. I would have to say this has been my worst experience ever deal with a company and their representatives. Dealing with XXXX and XXXX was pleasant experience. I see online that Equifax have had over 1000 complaints for similar issues to my.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
Starting in XX/XX/XXXX, XXXX XXXX payment system ( XXXX ) started to reverse my auto mortgage monthly payments. I was charged late and returned check fees as a result. I contacted their Services group and was told the following : 1. " The bank accounts I used did not have the correct account number ''. I told them the bank account I used had been set up since the beginning of the loan, about 5 yrs ago and there had never been any problems with money being transferred into Flagstar until now. 
2. " The bank I used did not have sufficient funds ''. I forwarded my bank 's history record to show there were plenty of funds to pay when the transactions took place. 
3. " My banks did not send them the money because of " not authorized '' transactions ''. I had to forwarded my bank 's history ledgers to show my checking accounts had been debited which shows the money had been sent to Flagstar. 

Due to advice from # 1, I changed my bank on XXXX to 2 other banks to continue paying the monthly mortgage. Both had the same issue. So 3 of my banks had same issues. Flagstar kept reversing my payments with the same above excuses. I told them it was my banks it was their system. 
When Flagstar reversed the payments, the funds that my banks sent to them were never returned. My banks says they had sent the money to Flagstar but never received any notifications the money is being returned. In order to credit back the money my banks had to initiate their own investigation and perform a Dispute before my money could be credited back into my account. 

I talked to about 10 services reps and 2 Supervisors. None can help explain why Flagstar keeps reversing the payments. Each time this happens I get charged a Returned check fee. Because no one at Flagstar can resolve the issues and my money was taken from the checking accounts to pay Flagstar but was not returned when they performed a Returned check I decided to payoff my loan. I don't trust Flagstar to manage my loan anymore. 

In XX/XX/XXXX, I follow the payoff procedures and obtained the Payoff value from Flagstar. With the payoff, Flagstar confirmed my loan was paid in full and the Deed of XXXX was sent to me with an Escrow refund. When I cashed the Escrow refund check, Flagstar had put a stopped payment on the refund check and told me I still owe them money. If I don't pay then they will rescind the release of the mortgage/trust. 

Because of the many reversed payments performed by Flagstar I feel they still have not returned all my money and that they still owe me money. I can not get anyone from Flagstar to work with me on the accounting for the money. They keep passing me to other people and each time it gets more confusing and more paperwork is required. 

As of XX/XX/XXXX, I still don't have my refund money.

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 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
states debt collection is on behalf of XXXX, but have no debt with XXXX believe that XXXX is either scamming or cheating for money not owed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have a debt collection for an account on my credit that is not mines. I have no knowledge of this debt nor where it originated from. I do not recognize the details stated about the account. I have reason to believe that someone may have obtained my info and used it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account was opened XX/XX/2018 with BBVA. There was an offer for a {$200.00} bonus for opening a checking account with a {$500.00} balance and maintaining for 3 months. There was also a {$50.00} bonus for opening a savings account and maintaining a {$100.00} balance for 3 months. 

BBVA Compass asked if I would like to opt out of paper statements ( {$3.00} fee ), I said yes. They still charged me for a paper statement on the savings account, causing it to go under {$100.00} and they refused to send the bonus even though I opted out. They did not disclose that this only opts out of paper statements for the checking account. 

They also would not refund the {$3.00} charge even though I contacted them immediately. This bank is shady and hides what you are really opting out of. I believe I am owed {$50.00} for maintaining my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen loan servicing has played games with the short sale process, they keep requesting the same documents over and over again. I get them on the phone they verify the documents and then I call back and they state they do not have the documents. They approved the short sale previously, then they put the homeowner in a modification review process and they had to finish that review before they would re review for short sale. This is an endless process with them and based on all conversations it appears to be intentional delay of process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: ERC
State: NY

Complaint narrative:
In XXXX, I paid " XXXX XXXX XXXX  '' located at XXXX XXXX XXXX XXXX, FL XXXX, the agreed upon amount to close my collection account. The collection was still being reported on XXXX back in XXXX, so I called to see what the issue was, and XXXX XXXX XXXX  informed me that everything should be all cleared up. It is now XXXX and my account is still showing up as in collection on XXXX, and I would like it removed as it is rendering me unable to apply for new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX and 60 days late in XX/XX/XXXX, which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OK

Complaint narrative:
XXXX " XXXX? " from XXXX XXXXt ( XXXX XXXX ) services keeps calling my cell phone and leaving messages regarding a debt for my wife. I do not have a message identifying who I am on my voicemail, yet XXXX continues to identify himself as a debt collector and that he is trying to collect on my wife 's XXXX XXXX account. He has threatened legal action over voicemail, which couple with the blind identification of himself as a debt collector to a party who has not identified themselves, is a direct violation of the FDCPA. Although the debt in question is a valid one, it belongs to my wife and I have never been authorized to discuss or deal with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I found out back in 2017 that someone in XXXX, FL opened a XXXX account under my name ( without permission ). This bill/account was placed in collections by : CREDIT MANAGEMENT LP. I filed a police report for identify theft and submitted appropriate documents ( i.e. utility bill -to show that I live in XXXX , FL , the police report, consumer rights notice, fraud paperwork, and ID ) to XXXX and the debt collections company. However, the claim was disputed by the company and remained on my account. I have recently tried to dispute this account with the debt company and have been told again and again that " the information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. 

I need assistance. I am in the process of looking to purchase a home and I can not move further with the process because of this debt. I am extremely frustrated because I did not authorize anyone to use my personal information to open the account, yet I am being penalized for someone else gaming the system. The debt company did not conduct a proper investigation into this claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
Dealership did not sell vehicle for amount advertised on their website. I purchased a XXXX XXXX XXXX on XX/XX/XXXX for a total due of {$31000.00} which includes sales tax and title/registration fees. The Cash price of the vehicle listed is {$24000.00}. On XX/XX/XXXX, on the Clay Cooley website, the vehicle they sold me with the same VIN # is listed as {$17000.00}. I texted the sales rep XXXX XXXX XXXX about the discrepancy on XX/XX/XXXX and ask why the price had gone up by approximately {$7000.00}. He contacted me by phone on Monday XX/XX/XXXX and said that the advertised price on their website was a typo. He said they had a meeting about it and that the result of their investigation is that the amount on the website was a " typo ''. No other explanation given

Company response to consumer: Untimely response
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On XX/XX/XXXX, I opened an Accelerate Savings Account with Citibank, and on XX/XX/XXXX transferred {$50000.00} into the account. Since then, I have encountered a series of roadblocks that continue to prevent me from gaining access to the funds, both online and through over 10 hours on the phone with customer service. I now believe that a fraud is being conducted, based on the bank 's refusal to escalate the problems.

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