vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I have no outstanding debts and have received no written notification that anyone thinks I owe them money. This company has been calling me repeatedly every day using different numbers and never leaves a message so I do n't know who they 're trying to reach or why. Here is a list of the calls to date ( it is now XXXX XXXX on XXXX XXXX ) : XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX  XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Service XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX a debt of {$260.00} appeared on my credit report, the company name convergent outsourcing placed a debt that had already been disputed back in XXXX of 2017 and ultimately deleted on to my experian credit report with no notification or letters that would have given me an opportunity to dispute, deny or pay this debt if I knew anything about it. It is my belief that this collection agency and credit bureau are practicing unfair business practices and I plan to sue both companies if this is not deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was forced to close a certificate of deposit early with citizens bank on  XXXX / XXXX / 17  because my water heater broke, my basement flooded and I needed the money to fix it. I knew I would be charged an interest penalty for breaking th e CD however, the asst manager,  XXXX ,  at the  XXXX  MA branch informed me of a {$50.00} transaction penalty that would be deducted from my closing balance. I asked for the fee to be waived because of my long history with  Citizens,  I am a  XXXX   XXXX  customer and the emergency situation. She declined saying she was not allowed to waive fees. Told me to call phonebank. I did and the supervisor,  XXXX  declined as well. This  CD was ope ned over 15 years ago, the  XXXX  fee as far as I can recall was not part of the account agreement at that time. I have never in my life have had to beg or file a complaint in order to get a bank to issue a fee rebate. It is now a matter of principle to me. This was an emergency situation, beyond my control and I needed every dime to pay for the repairs. The outright refusal and passing of the buck between the branch and phonebank is just plain unacceptable. I will be closing ALL my accounts, refinancing my car loan and moving my investments to another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
This company has been calling every phone number we have for 2+ years and we have told them numerous times to stop calling and that the debt is invalid because it was coded incorrectly at the medical office or the insurance would have paid it. This is a company that bought the debt so they do not care. Every phone call was abusive on the collectors part including yelling, offensive language and threatening us by telling us he will call as much as he feel like calling. We have told them this is disputed and we will not pay. I finally mailed a cease and desist letter " certified '' on XX/XX/XXXX. I have receipt that it was received and they still call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I was a victim of identity theft from the time I was XXXX years old. I learned about the identity theft in XXXX of 2009. I filed a police report and identity theft claim at that time. The items ( tax liens and XXXX XXXX account ) were removed from my XXXX XXXX and XXXX reports. XXXX still lists these accounts that are not mine. I have attempted to remove them via XXXX County Recorder however, they can not access these tax liens because my social security number is associated with the persons name that stole my identity many years ago. This is the same issue with the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is not my account, my ex-wife fraudulently opened the account right before our divorce. I have never purchased a vehicle from this car lot, nor will I ever. Multiple disputes have gone " verified '' - show me my VALID signature. XXXX, TU, and " XXXX XXXX XXXX '' are ruining my credit illegally.

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 2017-07-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This is not my account, my ex-wife fraudulently opened the account right before our divorce. I have never purchased a vehicle from this car lot, nor will I ever. Multiple disputes have gone " verified '' - show me my VALID signature. EQ, XXXX, and " XXXX XXXX XXXX '' are ruining my credit illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
Update for OBM 3170-0011 XXXX I initiated a meeting with XXXX from US Auto Sales months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called US Auto Sales on XX/XX/XXXX at XXXX XXXX asking for a payoff amount. On XX/XX/XXXX my vehicle was repossessed. without warrant. I 'm pretty positive XXXX had something to so with this. XXXX told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting. 
Her neglect has impacted my well-being. The stress in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked XXXX who her Superior was and she refused to tell me, stating she did n't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: NJ

Complaint narrative:
Equifax is reporting an account that is still being disputed with XXXX. This should not even be reported. Also, the amount and dates of the report are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My bank denied me a small loan to have my car repaired but yet they still are taking money out of my account and I have n't driven my car since  XXXX   XXXX   2017 ! They gave me the run around for 2 months I was promised help and did not receive it. I 've given them quotes and everything that they have asked for yet I 'm stuck with a car payment for a car that is not in my possession. And at this point my car is considered lost/ stolen because the tow company have seemed to " Misplace my car '' how do you misplace a  XXXX  I will never know

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I initiated a transaction of $ XXXX/- from my XXXX XXXX XXXX Account to XXXX bank account on XX/XX/XXXX and was promised money will be deposited on XX/XX/XXXX But I did not see money until now, when I called Western Union about this, several time ( 6-8 times ) I always got different answer and no one tried to help me with my money I do not know where is my money and how will I get it from western union They do not call or send email on its status

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX.
I have a mortgage company by the name SLS. I bought my house for XXXX . My balance XXXX. It already reached 78 percentage and they 're not taking the PMI off. I talked continuously many times. Now they want to do a appraisal and the loan is already less than 80 % percent. Now they 're trying to charge me to do a appraisal. Please help me out.
<P/>
Sincerely, XXXX XXXX Account Number : XXXX ( Phone Number for SLS : XXXX ) If you have any question please call me or my husband XXXX XXXX at XXXX.
My e-mail address : 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 2017-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
Russel Collection Agency in XXXX MI has reported 4 accounts to my XXXX credit report. These four accounts appear to be from ONE medical bill but have duplicated as 4. They refuse to provide me proof that I in fact owe this debt. I do not recall ever using the services of the XXXX XXXX XXXX that they are collecting for. I have sent multiple requests in writing to them asking for debt verification and proofs to be sent to me. I have not received anything back from them. I had never received a bill or anything from the XXXX XXXX XXXX. My medical insurance would have paid the bill had a bill ever been sent out to me or my insurance. I would also like to point out if someone did have a bill with this medical center it would be ONE account and not FOUR as was reported to my credit report. I have also filed Bankruptcy and since they would not send verification of this debt or remove it from my credit report it was added into my bankruptcy. So the account shows a XXXX balance on my credit report HOWEVER it is still showing up as FOUR collection accounts and as an open file. Since I filed bankruptcy the file would be closed. I do not owe this debt and it is not right for them to continue to report that I do and refuse to provide me with proof and refuse to remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Nationstar mortgage servicing company has placed a real estate tax escrow on this account and refuses to remove it even though the owner has paid the taxes herself. They are treating the account as being in arrears and holding the P & I payments in suspense account and treating those as in arrears also. There are no Taxes due and the city has stated that all payments ( 2of them ) by the mortgagee will be returned to the mortgagee. In spite of numerous tel. calls, during one of which the agent of Nationstar gave me deliberately false info. and after four letters detailing this, they still refuse to rectify this and record the payments properly and remove the escrow. This is now damaging the owner 's credit by showing up as late payments and arrearages.The letters are dated : XXXX XXXX ; XXXX XXXX ; XXXX ; and XXXX XXXX all of 2017. The phone calls were in between with the false info. coming in the phone call on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On XXXX XXXX, 2017 a collection account was placed in my file with the credit reporting agencies by Pinnacle LLC C/O Resurgent Capital Services. I was not informed in writing of this debt before it was placed on my account. Under the FDCPA a collection agency is required in written communication with the following information : written notice of debt, the amount of debt, the name of the original creditor and a statement describing my right to dispute the account and 30 days to dispute the validity of the debt. In addition I do not have a contract with Pinnacle LLC C/O Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have been a past customer of PNC bank and changed my checking away from this bank several years ago, but kept a credit card open with them. I opened a new checking account with PNC in XXXX 2017 as I was looking for another bank close to my home and a friend had good experiences with that branch, so I figured Id give them another shot. I applied for a new checking account with a bonus that advertised {$200.00} for {$2000.00} of direct deposits and 10 debit card purchases in the first 60 days, which I completed.
<P/>
I called in XXXX to verify the terms of this promotion and wrote them down on a post-it note, which I still have at my desk. This promotion was listed for existing customers who hadnt had a checking account with PNC with the last X months, I dont remember the exact window, just that I fell within it.
<P/>
On XXXX XXXX, approximately 90 days after account opening, I sent a chat message to confirm when the promotion would be posted to my account, and after extensive time to research, told me the promotion was not on my account and I would have to call in for further research.
<P/>
I then called and spoke to a XXXX XXXX  who told me that though I met the requirements, the promotion code had not been applied to my account. She told me she called the branch and was unable to talk to the person who had opened my account which makes sense since the account had been opened online. She suggested I go in to a branch, at which point I told her it was unlikely I was going to speak to a third person about this and would just file this complaint.
<P/>
At this point, she transferred me to a XXXX XXXX, an escalations manager, who filed a dispute for a bonus not received and told me she would contact me with the results of that dispute. It has been one week since we spoke and there has not yet been an update.
<P/>
I do n't understand what the " dispute '' in this situation is since I fulfilled the terms set forth by PNC.
<P/>
I have the confirmation number from when I opened this account online available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
In XXXX we entered into a contract account initially owned by XXXX XXXX XXXX. XXXX XXXX XXXX has changed hands to XXXX XXXX. We bought a XXXX XXXX XXXX XXXX XXXX.
Our contract states 156 payments starting XX/XX/XXXX
XXXX XXXX XXXX a.k.a. XXXX XXXX held our contract from XXXX to XXXX. In XXXX they sold the contract to Santander consumer USAXX/XX/XXXX was our last payment according to our contract of 13 years but Santander informed us that we still owe three more payments.
We tried to resolve this problem many many times with Santander and XXXX but got no satisfaction. Santander Sent us our payment history that they received from XXXX XXXX and it did not include the first three payments that we made!!! So Santander said they changed our contract to 158 payments!!!!! ( That 's not legal we did not agree or sign an agreement to that ) so we faxed a copy of the contract and the letter explaining the bookkeeping error.
We sent three registered letters receipt requested to XXXX XXXX  asking for our payment history and they did not respond!! When calling XXXX XXXX the mailings were noted but the representative did not have the capability to print out our history but said that XXXX, XXXX, and XXXX payments XXXX were made and even gave me the dates but they were not included in the history that they sent Santander.
These two companies will not communicate with one another to settle this problem and if you call XXXX you have to state it was an RV account or they 'll tell you you do n't have an account with us.
The bank We do business with ( XXXX XXXX ) only wholes cancel checks for seven years and could not help us and unfortunately I only have statements going back to XXXX.
We were never late and always on time to both of these banks for 13 years.
The total of the three payments that we are not getting credit for was {$810.00}.
Made to XXXX XXXX.
Santander wants {$620.00} to close the account.
We are paying that amount under protest or should I say rip off.
My husband is XXXX and I am XXXX and we live on Social security. I think this is considered elder abuse.
Please help us if you can retrieve some of our money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are 2 parts to this complaint. 1 ) After viewing my credit report and credit score through a service that allows me to see all 3 credit bureau information on my credit file I noticed that only Trans Union has old outdated information and does not update the account balances in a timely manner as the other 2 credit bureaus do. The information is outdated and adversely affects my credit score with Trans Union. Which leads me to 2 ) When I attempted to contact Trans Union about this I am directed to do so online. I attempted to contact Trans Union online on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After going through Trans Union 's process of identity verification on their website I am told that I can not submit a dispute online even though I am logged into my Trans Union account that shows all of my personal data. I am being denied access to submitting an online dispute and communication which is what I was requested to do in the first place. I attempted to call Trans Union by phone but I am never able to reach a person, everything is automated and I am never able to speak to someone about resolving my issue. Just the fact that there is no way to speak to a human being should be illegal. I want to be given access to my information on Trans Union 's website and I want to have the ability to submit a dispute online. I also want a phone number that will give me access to a human being that I can speak to about any issues I may have about this subject, and any other concerns that I may have about my credit report and score through Trans Union. I do not have this issue with either XXXX or 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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Regarding compliant #  XXXX .  XXXX   XXXX  is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time. Equifax removed  two  debts from this company and left the other two. I dont know why all was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: OH

Complaint narrative:
I contacted Transunion in regards to  two  different computer glitches that took place in   XXXX  . Originally my inquiries were removed from my credit files but then were placed back on without my knowledge.  <P/>  XXXX   XXXX   XXXX    XX/XX/XXXX      XXXX   XXXX   XX/XX/XXXX      XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX       XXXX   XXXX      XX/XX/XXXX      XXXX   XXXX  XX/XX/XXXX     XXXX    XX/XX/XXXX   XX/XX/XXXX      XXXX   XXXX   XXXX    XX/XX/XXXX    .  XX/XX/XXXX      XXXX    XX/XX/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