vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: GA

Complaint narrative:
I am filing a complaint against Synovus Bank because I do not owe them any money. The debt has been paid off ( XX/XX/XXXX ). This alleged debt was bundled in a loan package and sold to a debt collection company in Illinois. I am baffled about this purported debt ; the information provided was sketchy. Their XX/XX/XXXX letter did not provide in clear terms the date and amount of the loan, and a description thereof of the type of security for the loan that they sold to the company in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have unauthorized credit inquires on my XXXX credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XX/XX/XXXX ) 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 non-monetary relief
Consumer complaint received 2018-04-22 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: U.S. BANCORP
State: TX

Complaint narrative:
I visited XXXX XXXX XXXX in XXXX, Texas on XXXX-2018 with a pre-qualified notice from my current bank, XXXX XXXX. The salesman and financial manager ran credit report inquiries without my permission with 2 different banks, XXXX XXXX via XXXX and US Bank. 

I called the dealership to complain and they told me I needed to file a dispute. I distinctly asked the sales manager not to run my credit. 

I texted that night after receiving an alert that 2 inquiries were made. I told him I had trusted him and he said he trusted the financial manager also. 

I have the phone text showing this conversation. I also have an email stating I would have to file a dispute.

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 2018-04-22 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: CORELOGIC INC
State: TX

Complaint narrative:
I visited XXXX XXXX XXXX in XXXX, Texas on XXXX-2018 with a pre-qualified notice from my current bank, XXXX  XXXX. The salesman and financial manager ran credit report inquiries without my permission with 2 different banks, XXXX XXXX via Credco and XXXX XXXX. 

I called the dealership to complain and they told me I needed to file a dispute. I distinctly asked the sales manager not to run my credit. 

I texted that night after receiving an alert that 2 inquiries were made. I told him I had trusted him and he said he trusted the financial manager also. 

I have the phone text showing this conversation. I also have an email stating I would have to file a dispute.

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 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC
State: NC

Complaint narrative:
Applied for a mortgage loan through XXXX XXXX and have had my credit ran without my consent by Credco twice ( XX/XX/2018, and XX/XX/2018 ). Both hard inquires have shown up on my credit report and the company phone number does not match even though it's located in the same city. The hard inquiry company information is : 1 ) Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) Credco XXXX XXXX, CA XXXX ( 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 2018-04-22 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: Credit Karma, LLC
State: CA

Complaint narrative:
Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. 

After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. 

I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through Credit Karma which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX XXXX for a student loan refinancing opportunity due to a negative account. After looking at my Credit Karma report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for XXXX and XXXX for XXXX. Noticing that XXXX was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. 

It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I paid off my loan early. I sent the lender a check for the outstanding balance and added extra funds to cover any pro-rated interest. The lender has put my payment in suspense and will not credit the payment made until I send additional funds to cover recording fees. The recording fee amount exceeds the actual recording fee charged by my county by {$100.00}. I have asked the lender to tell me who the 3rd party is that is being paid the {$100.00} as I am entitled to know according to section 23 of security instrument. I have been unable to get a response. The lender has now added late charges to my payment which is was not late. I have asked that the lender credit my payment and send me the original note and reconveyance so I may have them recorded. I have been told they are not allowed to do that. I asked to speak to a supervisor or someone who can answer my question intelligently and I am told they are not available by phone. This servicer is a very large loan servicer. I have to believe the additional {$100.00} they extort from their customers paying off mortgages is a very profitable but illegal cost center. 
I also did not request the demand statement that was issued so I do not expect to be charged for the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
On or around XX/XX/XXXX, I received a letter from a collections from a company called XXXX XXXX XXXX stating that this company is trying to collect on behalf of XXXX XXXX. When I called the company and asked for info regarding the bill, the collection company states that this was a bill for services rendered by XXXX XXXX in XX/XX/XXXX. I  recall having XXXX XXXX but I cancelled my service at the end of XX/XX/XXXX and should not have been charged for XX/XX/XXXX. I requested proof of services rendered from the collections company XXXX XXXX XXXX  XXXX. On or around XX/XX/XXXX, I received the XXXX XXXX bill that is attached as a part of this complaint. This is bill does not show any services rendered, it simply states that this bill is a bill that is based on a different prior bill. Additionally, it references equipment that I know was returned and was confirmed by XXXX as returned. The bill provided by the collection company did not provide proof of services rendered that I requested and is therefore an illegal collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am XXXX and I feel that I am being mistreated possibly based on those facts. An UNAUTHORIZED deposit by an UNKNOWN source was attempted to be deposited was made on my account when I became aware I contacted the bank and informed them of this unauthorized activity and I was told That I have protections in place in that my accounts would not suffer any freezes or accounts closures In that my account was in good standing While I initiated a investigation with the correct department on the situation, suddenly and without notification within hours my account had been frozen my card had been deactivated and my personal funds were frozen in the account that had nothing to do with the said Unauthorized transaction. In response to this a senior representative opened a new account with a new card and new online access to set up direct deposit and bill pay and transfer my funds to my newly created uncompromised Account so that I could rest assured that no further unauthorized activity would occur. since this closure I have been belittled, threatened and intimidated by this small back office called account closure and have made numerous complaints about these tactics they have utilized saying things like " they are XXXX and I am beneath them and there is no one to pray to for help '' promising to make sure that criminal charges are filed and that I will never in the future have an active account anywhere else and that my business was not and never was wanted. They even went as far as to say they have made a decision before any facts of the investigation have come to exonerate me as a vigilant consumer whose only falt was to report suspicious activity as is outlined by the terms and conditions that I had signed with Bank Of America ... Numerous senior representatives were shocked and flabbergasted as well as disappointed in this behavior and offered any assistance they could after seeing that I was transferred to 15 different people in the same day in the same department and suggested that I take this route to make sure my standing with this institution is redeemed and my banking future is secured

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 monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I attach a letter dated XX/XX/XXXX explaining I dropped the XXXX XXXX vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, CA and on XX/XX/XXXX I telephonically contacted XXXX XXXX XXXX to inform I had dropped the vehicle. The extended lease on the vehicle expired on XX/XX/XXXX and all the payments were timely made. On XX/XX/XXXX I received a threatening telephone call from an individual, XXXX, ( copy of a 2-page letter signed by XXXX is attached demanding {$1000.00} payment ) at my current employers telephone number. Later, I checked my credit report and found out that on XX/XX/XXXX a status updated was posted on my credit report showing a balance of {$2900.00} and indicating past due 30 days. I enclose a copy of this page of my credit report attached to the XX/XX/XXXX letter. For clarification purposes, the XX/XX/XXXX letter consists of two pages only. I received an Official Notice of Vehicle Return dated XX/XX/XXXX. Again, on XX/XX/XXXX I checked my credit report showing Status Negative by AMERICAN HONDA FINANCE, Balance {$2900.00}. On XX/XX/XXXX I called XXXX XXXX XXXX and I was told by the customer female representative XXXX has not posted any negative entry on my credit record and the representative advised me to contact myself each one of the credit reporting companies to fix my credit problem. By looking at the letter signed by XXXX XXXX, I found out XXXX XXXX XXXX is a DBA of American Honda Finance Corporation. I leased in XX/XX/XXXX an XXXX vehicle and I had no issues with the vehicle return but only because I leased another XXXX vehicle, the XXXX XXXX. I had the intention of purchasing, not leasing this time, an XXXX vehicle but after the way I am being treated I will not do it. And worse, when I test drove an XXXX vehicle on XX/XX/XXXX the vehicle I drove had mechanical issues. 

These are the companies involved with my complaint : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX American Honda Finance XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: TX

Complaint narrative:
I went to XXXX XXXX  college in XX/XX/1995. The college went out of business and I never got a degree

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Request to close account on XX/XX/XXXX and XX/XX/XXXX last person I spoke to was XXXX  in XX/XX/XXXX about closing account. I completed all forms sent to me by XXXX XXXX XXXX, but the account still remain open with a credit of XXXX to my account that was never sent to me as a refund. A letter was sent to the company XX/XX/XXXX requesting the company to close the account in writing again by USPS. The company has failed to respond in writing by mail as requested.

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 2018-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX I opened a secured credit card BankAmericard account in XX/XX/XXXX by XXXX XXXX. I took the cash out of my savings account as a cashier 's check to secure the credit card. I received the BankAmericard in the mail and activated it. Bank of America immediately applied the {$39.00} annual fee. XXXX XXXX followed up with a phone in XX/XX/XXXX inform me to request a credit increase. I followed his advice and did so over the phone. In the mail dated XX/XX/XXXX, I received a rejection letter stating I could not get an increase. On XX/XX/XXXX, I wanted to use the card for an in-store transaction. The transaction was declined and discovered the credit card was closed without any notification. Now, I have an open and closed credit card account on my credit report. I am seeking {$5000.00} in irrevocable damage to my credit report and return/refund the {$1300.00} placed on the card. Fire and terminate XXXX XXXX for opening an erroneous account and not following procedures.

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 monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I just pulled my credit and noticed there was a collection account listed on XXXX and XXXX for XXXX XXXX XXXX. This original debt belonged to XXXX XXXX which is a cable company. 

I moved from my apartment to a house in XX/XX/2017. I could not transfer the service because they did not provide service at my new residence. When I cancelled I had equipment I needed to hand in and I had a final bill. I went to their XXXX, VA store and dropped of the equipment. I told them I wanted to pay my final bill as well but the representative told me he could not tell me how much was owed since the equipment was still showing on the bill. He advised me that they would send me a final bill and I provided him with my new address which he appeared to enter into the system. 

I never received a bill and quite honestly, I completely forgot about it. My mail is forwarded from my previous address so even if they did not properly update my new address, I still should have received the forwarded mail. 

To date, I have never received a final bill from XXXX XXXX and I have never received ANY correspondence or phone calls from XXXX XXXX XXXX. 
Do I owe the debt? Yes! Will I call the cable company and pay it? Yes! BUT, I should not have this reported on my credit report when I did not receive a final bill and never received any correspondence or any communication of any kind from the collection agency.

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 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/18, I went to Experian.com in order to get my free annual credit report. I have not seen my credit report for several years and I wanted to check it and make sure the information was accurate. First of all, they said I had to pay {$1.00} for the report. It may be that they were charging the {$1.00} for my score, but I didn't ask for my score, I just wanted my report. They did not give me the option of just getting my report for free. 

Then, they said that I was signing up for a 7-day free trial for some kind of credit monitoring service, and that if I didn't cancel within 7 days, I would be charged {$21.00} per month for the service. 

This is bull! These companies should not be allowed to to require me to pay for my own credit report, and when I pay them their stupid {$1.00}, I should not be signed up for some service I do not want. You need to protect me, the consumer, from being taken advantage of by the credit bureaus. 

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 non-monetary relief
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We have been fighting with Citi Mortgage for over 7 years for a possible loan modification with no positive resolution. Citi Mortgage has denied me for a loan modification 12 times using an incorrect property value and rate of interest. Currently my home in a foreclosure with a foreclosure sale date scheduled for XX/XX/XXXX. Although we have re-submitted the request for the loan modification on XX/XX/XXXX. Based on an email from Citi Mortgage the single point of contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, indicated that " the file is with an Underwriter and at this moment no additional documents are needed. At this point in time, a decision has not been reached ''. 

Regretfully ; Citi Mortgage the Debt Collector, Servicer is ignoring the California State Law! The Homeowner Bill of Right 's dual-tracking provision Effective XX/XX/XXXX : Under the Homeowner Bill of Rights, if you submit a complete application for a foreclosure prevention alternative, the servicer/debt collector can't conduct a trustee 's foreclosure sale before it makes a decision to grant or deny the application. As per the California State Law, the servicer/ debt collector is required to state the specific reasons for the denial, and include a statement that " the borrower may obtain additional documentation supporting the denial decision by making a written request to the mortgage servicer ''

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