vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
XXXX XXXX XXXX issued a credit card when I only had a store card with them. I did not give them permission to do so and they sent it to my old address that I no longer live at. I have been disputing this since XX/XX/XXXX. I call literally every two weeks and they give me the run around. I was informed by MULTIPLE people in the department that I was not responsible for payment until their was resolution in the investigation. They still have not resolved it and I was informed by my EMPLOYER when I went to get a mortgage that they reported me 90 day past due. I paid it off and I am still disputing it but I needed it to stop reporting to my credit. They refuse to remove the past due because they claim they have let me know the dispute was n't resolved due to lack of information received and they need a better police report. I can only provide what the XXXX XXXX police department will give me and that is all they have. I have called over 50 times and have asked countless people to please call me back and tell me exactly what I need and no one will reach out to me. I am told " it 's not their responsibility to call a client '' this is damaged my credit beyond belief. I went from a XXXX to a XXXX. I want this past due removed and I want their dispute practices investigated. You can see from my records all the times I call and BEG for someone to call me back and no one will. Every time I speak to someone in customer care they are appalled by their lack of professionalism and promise a manager will call me back and no one ever does. It is disgusting and they should not be allowed to to this to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: MA

Complaint narrative:
IQ Data International company spams people. I got a call from them one day stating that I owe some amount to my previous landlord. I know for a fact that we did not owe anything! In fact our landlord had returned us a part of our deposit amount after deducting all the move out charges. I contacted my landlord to find if there was any goof up and they told me that I owed them nothing. Moreover the apartment complex told me that IQ Data International are not their debt collectors.
  
  The lady on the phone insisted that I pay through credit card and that the payment must be done that day itself in order for her to waive off the interest amount. She sounded very legitimate - she knew the names of my previous roommates and she gave me a break down of the charges. When i refused to pay immediately, she transferred me over to another colleague who asked me what was stopping me from making the payment. All in all, it did sound fishy. They have even reported the fake debt on my credit report.
  
  They keep calling me regularly now. Infact they have even got hold of my office telephone number and they left a voicemail on that.

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 2017-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a continuation of my complaint, XXXX, where I provided documentation showing multiple payments were not credited accurately on my credit report. 

XXXX XXXX responded back via this portal as follows : " Although we have received payments on your accounts on or around XX/XX/XXXX and XX/XX/XXXX, many of these payments did not satisfy the full minimum payment due, or were not received. Ive enclosed a copy of your statements from XX/XX/XXXX to XX/XX/XXXX for your accounts, which shows the minimum payment due and the payment received. '' The problem with this response is that it fails to acknowledge the agreement XXXX XXXX provided to me during that time in effort to catch up on my balance. 

The agreement stated that my account would be made current once I made three consecutive payments for a specific amount on each of the three cards. The response quoted above suggests that I was not credited for making payments for the months in question because I " did not satisfy the full minimum payment due. '' However, the true " full minimum payment '' was determined by the agreement and not by what was listed on the statement. In order to reinstate my XXXX XXXX accounts, I HAD to make the full minimum payment as defined by the agreement, for which I did, evidenced by the fact the accounts are now in good standing. 

Once again, I request XXXX XXXX update my credit reports accordingly to reflect my XX/XX/XXXX and XX/XX/XXXX payments.

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 2017-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I filled a Chapter XXXX Bankruptcy, the Bankruptcy was closed XX/XX/XXXX. Through the Bankruptcy Court a motion was granted to avoid unsecured liens on multiple properties. 

Dietech Financial ( lien held by Greentree during bankruptcy ) is the owner or servicer of one of the avoided liens. On XX/XX/XXXX I contacted Dietech to verify the lien had been released and re-conveyed. I spoke with XXXX in the bankruptcy department and was told my request would be forwarded to local counsel for review. On XX/XX/XXXX I contacted Dietech and was told the language in the motion stated release is contingent on discharge of bankruptcy and they will not release the lien unless I was able to get the ruling revised. 

Unlike other types of bankruptcy in a Chapter XXXX there is no discharge. The plan of reorganization is confirmed by the court and the case is closed. I have had two liens that were released based on the granted motion to avoid and both of them contained the same language regarding discharge. XXXX released a junior lien on XXXX XXXX XXXX XXXX my primary residence and Real Time Resolutions released a junior lien on XXXX XXXX XXXX. 

Dietech is the only lien holder who refuses to honor the motion to avoid. I believe that Dietech is attempting to force me to go back to Court and re-open the case to amend the order. Dietech knows this will be expensive and cause damage to my credit. 

Attached are copies of the following documents : 1. Bankruptcy Order to Close 2. Motion to Avoid Liens 3. Letter from Dietech regarding lien 4. Re-conveyance from XXXX 5. Re-conveyance from XXXX XXXX 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 2017-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a credit monitoring alert that " American Medical Coll '' had posted a collection to my XXXX XXXX credit report. I called the number listed on my credit report but was unable to reach anyone to verify this debt. 

The presence of this account on my credit report is false and misleading. I would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: FL

Complaint narrative:
I SENT THE CREDIT BUREAUS MY POLICE REPORT ON THE FRAUDULENT ACCOUNTS, XXXX, XXXX XXXX, AND XXXX XXXX. THEY HAVE NOT REMOVE THESE FRAUDULENT ACCOUNTS FROM MY NAME. THIS IS A VIOLATION OF MY RIGHTS FOR ME TO PROVE THE FRAUD AND FOR THE CREDIT BUREAUS NOT TO DO ANYTHING ABOUT IT.

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 2017-08-23 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: FL

Complaint narrative:
I SENT THE CREDIT BUREAUS MY POLICE REPORT ON THE FRAUDULENT ACCOUNTS, XXXX, XXXX XXXX, AND XXXX XXXX. THEY HAVE NOT REMOVE THESE FRAUDULENT ACCOUNTS FROM MY NAME. THIS IS A VIOLATION OF MY RIGHTS FOR ME TO PROVE THE FRAUD AND FOR THE CREDIT BUREAUS NOT TO DO ANYTHING ABOUT IT.

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 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MS

Complaint narrative:
I took out a mortgage loan with XXXX XXXX XXXX  XX/XX/XXXX, first payment due XX/XX/XXXX. The loan was {$98000.00} financed, principal {$100000.00}. when I asked for a pay off XX/XX/XXXX, it was {$80000.00} plus Deferred Balance {$29000.00}, which bring the pay off to {$100000.00}, this is more then the original loan in XX/XX/XXXX. I question XXXX about the Deferred Balance, I was told it was all the late payment and interest payment. This was never explain to me during the duration of the loan. I am on a fix income, I am trying to get this loan so I can pay it off within the next ten years. The interest rate is 11.351 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: AR

Complaint narrative:
I paid my XXXX bill through XX/XX/XXXX and had my service disconnected. XXXX wanted {$200.00} more so they charged my credit card {$200.00} without my knowledge or consent. I have disputed the charge. XXXX XXXX returned the {$200.00} to me. I have attached a document to prove this. I believe this is a case of age discrimination. I am XXXX years old. 
They charged a card that I rarely use, which I think, was an attempt to hide the theft. Since my service was disconnected on XX/XX/XXXX, what is this bill for? I am sending proof that I have not missed any XXXX payments to XX/XX/XXXX. All XXXX bills are paid one month in advance.The last bill I paid was XX/XX/XXXX. This bill was for XXXX. I have proof the {$63.00} charge is for XX/XX/XXXX. I am also sending proof that a XXXX statement states I do n't owe the bill. They must have decided to charge me the {$63.00} after they failed to steal the {$200.00} dollars. On one statement it shows all equipment was returned yet XXXX still decided to charge me {$200.00} plus {$61.00} the total {$260.00}. The physical address on all XXXX statements is not XXXX XXXX XXXX XXXX, Arkansas XXXX. I have moved in the last month. XXXX has turned this over to Receivables Performance Management XXXX XXXX XXXX XXXX XXXX, WA XXXX for collection. The XXXX statements prove I do n't owe the bill. I will upload all statements. Both XXXX and Receivables Performance Management have harassed me constantly. Receivables Performance Management did so without checking to see if I owed the bill. 


XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas 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 2017-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America erroneously posted a 30 day late on my second mortgage. 
I have a purchase money second on my home that I have had for 10 years. At the end of the 10 year period the loan was supposed to convert to a 15 year fixed until it is paid off. Bank of America had the loan in their system as a 10 year balloon. They began sending me letters saying I owed them the entire amount. I continued to pay the monthly payments hoping they would correct their error. After many phone calls and letters, they finally corrected the loan in their system. But they posted a 30 day late on my XXXX 2017 mortgage history. 
They admitted they were at fault and said a letter would be sent out to correct their error. The letter is ambiguous and does not clearly state that it was their error and that the 30 day late is erroneous. I called today for a more detailed letter and was told to call the credit bureaus. You ca n't just call a credit bureau. 
I am in the process of getting a new mortgage loan and this has destroyed my chances. My FICO score dropped 60 points. They are unwilling to expeditiously correct their error.

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 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
I informed Receivables Performance Management LLC that they were calling me repetedly and at an inconvenient time due to my work schedule on XX/XX/XXXX. The very next day XX/XX/XXXX they called me 4 separate times between the hours of XXXX CST and XXXX XXXX. I called back and spoke to supervisor who told me the phone " sometimes messes up ''. I have NEVER heard of a dialer being set to call 1 individual 4 times so I believe that is a lie and these calls were placed intentionally. It is a harassing practice for a dialer to be set that way. She told me I would not be contacted again. I told her I wish to be contacted by mail only, she assure me that would be the case going forward. 1 hour later at XXXX CST they called me again! I tried to leave my desk at work and go to a quiet place and the reprentative repeatedly said my name loudly and rudely, then they must have reviewed the notes on my account becasue as I was speaking they hung up on me. I tried to call back and I was placed on hold and left there, I finally hung up after 10 minutes of waiting.

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 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
On XXXX XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
i have been banned for making returns by XXXX retail store due to the retail activity report provided by the retail equation as of XX/XX/XXXX. XXXX corporate office representative ( XXXX ) states that they are unable to assist me, please contact XXXX ( XXXX ). i ordered the RAR ( retail activity report ) and received it via email. I initiated a dispute via postal mail as web/email was not an option, however, i ca n't obtain any confirmation that the letter of dispute has been received nor has an investigation has been started. the use of the report is not disclosed to consumer via website, sales receipt, nor XXXX credit statement. It is only after the restriction is in place that the use of the company is disclosed. As of XX/XX/XXXX is have not been successful in have the inaccurate information removed. I was told by the XXXX agent via phone that after XX/XX/XXXX i will be to make returns at any XXXX store. If i accept this action, I will need to store XXXX unworn, resale-condition merchandise and allow my XXXX credit account to be delinquent.

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 2017-08-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX-XXXX cancelled my cable service without my consent and then when I called to correct the error on my Acc # XXXX they conducted a hard inquire on my credit on XXXX XXXX 2017 that I never authorized. 1st, I should not have had to reopen an account that was in good standing due to XXXX 's error. 2nd, I never authorized a hard credit inquire. XXXX was only to check to see if I had any outstanding unpaid XXXX/XXXX balances within their company not perform a hard inquiry on my credit report on a service that should have never been canceled in the first place ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX, we submitted documents for a Short Sale to Fay Servicing. Fay Servicing communicated to us regarding the short sale for several months, and a complete short sale packet was confirmed received shortly thereafter. After the thirty day timeline that Fay Servicing had to respond to us had passed, I followed up several times for status over the telephone, and by email on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. A week later, on XX/XX/XXXX, I received a response from Fay Servicing 's representative, stating that the current offer was denied, without counter offer. That same day, I requested a full explanation and appraisal report. The representative asked if I was talking about a {$45000.00} offer on the property, and informing us that their BPO came back at {$280000.00}. I corrected him, directing him to the {$270000.00} offer in the file, and asked him to resubmit the accurate information to the investor for their review. I followed up on XX/XX/XXXX by email. On XX/XX/XXXX, the representative confirmed the file had been submitted to the  investor for review, and requested further documents. We discussed the documents and ultimately provided them, however, on XX/XX/XXXX, the representative stated that the investor has countered at {$370000.00} - a {$90000.00} increase over their own valuation of the property. I challenged this and supplied further documentation, and was informed that on XX/XX/XXXX, the investor denied the offer and is demanding the property be relisted at {$370000.00}, despite the {$280000.00} valuation they hold on the property. We found that the net proceeds they are seeking through these actions reduce the short sale write off to less than {$5000.00}, but risk their borrower losing their home to foreclosure in the process. We believe these actions are in bad faith and violate the spirit of the negotiation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...

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 2017-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
I paid off my account with cash in full at Cashmax on Wednesday X/XX/2017 I was referred by the branch manager and assistant manager that they could not release the lien on the title until after 10 days they have to email corporate office and corporate office in XXXX, Texas has to mail them the title and then I am able to pick up the title. I went back for an unsecured payday loan and they still have not released my lien on the title I need to know when I can get my title back that was paid off and why I am being told I am not able to release the lien on the vehicle if I am paying off in cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I always watch my account via on line to make sure I am not spending more than I have. Well I looked at my account one day and it told me I had XXXX AVAILABLE balance. So I went ahead and used the XXXX AVAILABLE balance. Turns out that was n't a TRUE available balance and little charges of a few dollars here and there caused US Bank to overdraft me and charge me XXXX in over draft fees. They then started to charge me XXXX every 7 days my account is over drawn. I feel like should not be allowed. This is absolutely absurd. This has been going on for about two weeks now and the bank wont reverse any fees

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