vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX TD Cases # XXXX # XXXX # XXXX Dear Sir : Attached you will find my documents for credit card transactions which I conducted with XXXX XXXX using stolen credit cards. The summary sheets show that XXXX XXXX gave me credit card information so that I could pay myself and the consultants for architectural work which was contracted by XXXX XXXX. TD Bank has back charged me a total of {$12000.00} for transactions on TD Account XXXX, that were done by XXXX XXXX using stolen credit cards. I had no knowledge of the stolen credit cards used by XXXX XXXX. 
The architectural project was a new house to be built at XXXX XXXX XXXX, XXXX, NJ XXXX. 
The summary of transactions shows the amount of money deposited to TD Act. XXXX and the amount of money paid to the consultants. The cards were charged using XXXX and the payments to the consultants were paid using XXXX. When the card used to pay {$4800.00} was discovered to be fraudulent all credit card payments ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have no knowledge of this debt or collection, I have had full coverage for medical bills There is no need for this debt when I am fully covered with health insurance. 
I want these 2 accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATIONAL CREDIT SYSTEMS IS REPORTING AS A COLLECTION ON ALL THREE OF MY CREDIT REPORTS. I HAVE SENT SEVERAL VALIDATION LETTERS TO THIS COMPANY AND ALL THREE OF THE CREDIT BUREAUS, THEY HAVE NOT RESPONDED, IT HAS BEEN MONTHS AND I HAVE NOT RECEIVED THE VALIDATION OF DEBT LETTER AS REQUESTED, I SENT CERTIFIED LETTERS TO KEEP TRACK OF THEM RECEIVING THE LETTERS,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XX/XX/XXXX We applied for and were approved on XX/XX/XXXX for a re cast of our current XXXX XXXX   Mortgage based on a principle reduction that was paid by us. We overnighted the notarized agreement for modification, re-amortization that Ditech sent to us on XX/XX/XXXX via the XXXX XXXX envelope they provided us. It was received and signed for by XXXX XXXX at XXXX on XX/XX/XXXX at Ditech XXXX XXXX tracking XXXX. I called to confirm on XX/XX/XXXX that they had received the documentation and also to confirm that they received our XX/XX/XXXX payment as they cashed it but not applied it to the account promptly. They told me that the recast was already finalized and that the payment made was at the old amount of {$2700.00} and the new Mortgage amount was {$1800.00} which they would apply the {$1800.00} to the XX/XX/XXXX payment and the remaining {$910.00} to principle. They did this and the account currently shows correct on their website with the new payment being due XX/XX/XXXX at the new amount of {$1800.00}. I assumed everything was fine because that is what I was told and the website reflected it correctly. I then received a letter from Ditech dated XX/XX/XXXX stating the recast was not finalized and it included the documents that I previously notarized and sent to them for signatures again. I called Ditech on XX/XX/XXXX and spoke to XXXX who told me yes the recast was finalized on XX/XX/XXXX. I asked for the Agreement signed by Ditech and she said she had to transfer me. I then spoke to XXXX who was very rude to me and transferred me to XXXX. XXXX told me at first that they never received the notarized documents from us as they do not show in there system. I told her we had the tracking number to prove it and she placed me on hold and came back and told me that the recast was finalized that day they received them on XX/XX/XXXX. She could not provide me with accurate information and I asked how my account shows the new payment in their system and they are taking payments in at the new amount but they can not provide me with the signed agreement. This could cause problems with future payments and I could be late as I do not have 100 % proof they signed this agreement and they are telling me they my not even have the documents that they received. I would like Ditech to provide me a copy signed by them of the agreement for modification, re amortization, or extention of a mortgage as I have a right to the document for my records. I hsve the right to accurate information as a consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NC

Complaint narrative:
I have been having issues with Selene Finance. The company increased the amount of my monthly mortgage payment without properly notifying me. I spoke to a representative to inquire about the increase and a representative stated that a letter was mailed to me. I never received the letter so I asked to have it re-mailed. A few days later I received a letter from Selene Finance stating that I should disregard the letter. 

Selene Fiance has been very unprofessional during their time as my servicer. I was supposed to have a new monthly payment amount from a loan modification that I completed with XXXX, however Selene finance never upheld the terms of my the modification and instead made me do a new one with them which resulted in a higher mortgage payment and higher principal amount. 

Selene has even done minor things which in my opinion are extremely disrespectful and unnecessary such as sending me refund check in the amount of {$0.00} ( a XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I sent in a letter of validation to Penn credit Corp. For a debt that has been on my credit report since 2014. Under the Fair debt collection practices, asking if agency can provide validation under 15 USC 1692g Sec.809 { b }. I sent in my letters because I do not own this debt. After 30 days I received a letter from Penn credit with nothing showing that I own this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
When coming to Navient about other repayment options because of having financial hardships, I have always been directed towards forbearance. There has never been any income based repayment option offered. So I have chosen forbearance twice now as it is the only option that has been presented as a way of " help '' during this time of financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Stage Funding
State: AZ

Complaint narrative:
I applied for a re-fi on my home and was rejected. In the rejection notice it was stated that a written reason for the rejection would follow but I never received one. I contacted the company several times and they refused to give me the information on the rejection -- - they have stopped responding to me. The company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2019 I was alerted by my credit monitoring service, XXXX XXXX, that a hard inquiry was made on my credit report. Considering I hadn't applied for any loan applications I suspected fraud. The company listed for the hard inquiry was XXXX XXXX   XXXX. I contacted them and they told me they were used by a 3rd party, XXXX XXXX XXXX, a lending company based on South Carolina. I attempted to contact the company to no avail. The inquiry appeared with XXXX  and XXXX. I called both bureaus and told them about the incident. They both told me that to dispute the inquiry I had to get verification from the lending company as well as other supporting documentation. The issue is the lending company has yet to contact me back and I fear that something fraudulent is going on.

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 2019-10-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a legally sufficient identity fraud complaint with Experian under FCRA Section 605B. Under that Section, Experian is required to block the fraudulent information within four days of receiving the complaint. Four days came and went after Experian received the complaint. Experian refused to block the information and provided no lawful excuse for their refusal. Instead, Experian sent me a report more than 30 days after receiving my dispute. Their response simply states the vendor or creditor met the FCRA requirements even though with my dispute I submitted an identity theft and/or police report. Experian has chosen to ignore the law to block the information resulted in the identity theft within four days.

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 2019-10-21 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: AL

Complaint narrative:
i have contacted all the credit agencies and sent them certified validation of debt letters twice in the last 5 months and they have not provided nor delete the account XXXX XXXX XXXX from my report, i have never had an account with that company, i have never signed or received any services from this place, this information needs to be deleted from my credit report 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 non-monetary relief
Consumer complaint received 2019-10-21 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: Byrider Franchising, LLC
State: IN

Complaint narrative:
The people in charge of my loan ( J.D. Byrider/CNAC ) isn't honoring the warranty in the contract I signed with them, and I want to get out of the loan. My Vehicle 's been in service ever since XX/XX/2019, and it's XX/XX/XXXX. I'd also like this month 's payment back as I haven't had access to my vehicle with them since the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I took out loan XXXX with Citizens One bank for an XXXX in XX/XX/XXXX and it was fully paid off. 

When I tried to take out a loan in XX/XX/XXXX I was told I was delinquent and was denied. 

I made a compliant and new bills started arriving regularly telling me I owed a lot of money. 

I called back. It turns out either XXXX or Citizens One hasnt paid back or been reimbursed {$180.00} from the original loan so it was never closed. It isnt clear if this is *my* {$180.00} or if it comes from the equipment I upgraded or where it belongs. No one knows anything. 

A repeat compliant was opened XX/XX/XXXX and now even more bills are arriving telling me Im in arrears for a fully discharged XX/XX/XXXX loan and I cant get new loans. 

Citizens One said the bills are automatic. They cant be stopped. Someone is looking into it. But nothing is happening and I want my credit repaired and I want my {$180.00} with interest if its mine. I want an apology. 

This morning I spoke to XXXX and asked for a supervisor, I was forwarded to XXXX. It has taken many hours to straighten out and its still not corrected. 

They deserve an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NM

Complaint narrative:
I am having issues with Nissan Motor XXXX XXXX in that they have been contacting me repeatedly, sometimes several times a day, even on Sundays while I'm in church regarding my auto loan. I have indicated to them their tactics are bordering on harassment, an issue which was denied over the phone. Following their last call, a few minutes ago, I indicated that I am immediately going to file a complaint, with you, against them. the dates of their calls include XX/XX/XXXX, XX/XX/XXXX, four times on XX/XX/XXXX, twice on XX/XX/XXXX, three times on XX/XX/XXXX, twice on XX/XX/XXXX, and the one this morning. Each time I had spoken to them, I had pointed out that I only get paid once a month and that I would be unable to pay them until then, to which I was informed " '' they wouldn't be able to wait until then. When i was more recently contacted, they had agreed to my paying them upon my getting paid, at which point I felt this matter had been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: TN

Complaint narrative:
Over two years ago, my vehicle was totaled and my full coverage insurance did not cover the remaining balance of the car loan. Then, because the car was still driveable and in overall good condition ( only the front bumper was messed up and the air bags deployed ) the loan company gave me the option to either hand over the car or pay off the remaining balance of {$1600.00}. Two years later, I am receiving harassing phone calls and visits to various addresses that were never provided to this collector. This collector has called my job multiple times and threatened my with arrest. He said that he will visit my house with a sheriff if I do not comply. Note that I have not heard from this loan company in over the years. Also, I called this man back about two weeks ago to try and figure out what was going on, and he told me he sent a letter in the mail explaining everything. I then told him I would read the letter when it came in and take whatever action I needed to solve the issue. However, I never received any letter yet the harassing phone calls have not stopped even though I told the man I wasnt paying any money until I read a physical letter because I believed the situation to be solved years ago when I handed over the vehicle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: MD

Complaint narrative:
I am a former employee of the XXXX XXXX XXXX XXXX, after an on the job injury that was no fault of my own in XXXX I was forced to retire in XXXX from a XXXX XXXX injury! I do get retirement XXXX and S.S.D.I. I am really struggling financially and I was trying to get a reverse mortgage but I was denied because I am XXXX years old. I feel like their should should be an exception to the rule when it comes to people was XXXX! If I cant get help I feel like my only option is bankruptcy, I have tried to refinance & take a loan to pay off other debt but constantly get denied. And I have good credit, and I just dont know what to do now?

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 explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Between the dates of XX/XX/XXXX-XX/XX/XXXX, I have filed and sent several letters to the credit reporting agencies of fraud accounts. I have submitted copies of police reports and identity theft affidavits. The fraudulent accounts are ( 3 ) XXXX XXXX  accounts, 2 XXXX  XXXX accounts opened XX/XX/XXXXwith balance of {$900.00} and account opened XX/XX/XXXX with balance of {$460.00}, Account with XXXX XXXX, and account with XXXX XXXX. I recently filed complaints with all said companies for reporting inaccurate information. However Experian and XXXX both are still reporting these accounts after several communications with them that I never opened any of these accounts.

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 2019-10-21 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: MORTGAGE FIRM, INC., THE

Complaint narrative:
On XX/XX/XXXX I requested information from the Mortgage Firm, who I currently have my Mortgage with. All I asked was if now would be a good time to refinance. Before I received a response email I had a hard inquiry show up on my credit report. They never asked if they could pull our reports but instead ran them because they already had our information on file from the current mortgage. They ran a report on both me and my boyfriend who is also on the current loan. I complained and they didn't seem the be too concerned about it but rather tried to justify it by saying they had to pull it to give us an accurate rate. All I wanted to know was if now would be a good time based on the market. This gives the illusion that they are trying to run someone's credit to get them roped into working with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i have contacted all the credit agencies and sent them certified validation of debt letters twice in the last 5 months and they have not provided nor delete the account XXXX XXXX XXXX from my report, i have never had an account with that company, i have never signed or received any services from this place, this information needs to be deleted from my credit report 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 2019-10-21 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: AL

Complaint narrative:
i have contacted all the credit agencies and sent them certified validation of debt letters twice in the last 5 months and they have not provided nor delete the account XXXX XXXX XXXX from my report, i have never had an account with that company, i have never signed or received any services from this place, this information needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
i have never received and notification of the debt, i also asked for a validation of debt by sendinfg in certified letters that they did not respond to,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AL

Complaint narrative:
Between the dates of XX/XX/XXXX-XX/XX/XXXX, I have filed and sent several letters to the credit reporting agencies of fraud accounts. I have submitted copies of police reports and identity theft affidavits. The fraudulent accounts are ( 3 ) XXXX XXXX  accounts, 2 XXXX XXXX accounts opened XX/XX/2016 with balance of {$900.00} and account opened XX/XX/2016 with balance of {$460.00}, Account with XXXX XXXX, and account with XXXX XXXX. I recently filed complaints with all said companies for reporting inaccurate information. However XXXX  and Transunion both are still reporting these accounts after several communications with them that I never opened any of these accounts.

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