vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 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: ProCollect, Inc.
State: DE

Complaint narrative:
My account was paid in full. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a month. They also have told the credit bureau that the account is reported accurately and thats not the case. I spoke with XXXX XXXX and paid in full on XX/XX/18. As of today theres still a balance showing.

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 2018-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I APPLIED FOR A LOAN FOR XXXX AND WAS APPROVED. I SENT EVERY PAPERWORK THEY ASKED FOR AND THEY SENT ME A APPROVAL LETTER. THEY THEN TOLD ME TO USE THEIR REALTOS AND BEGIN LOOKING FOR CONDOS. THEY KNEW THAT IT WOULD NOT BE RIGHT AWAY THAT I WOULD FIND ONE. THIS IS THE MESSAGE I RECENTLY GOT IN THE EMAIL. 
THIS IS THE MESSAGE I RECEIVED AFTER 10 DAYS THEY  COULD NOT LOCATE A VA APPROVED CONDO FOR ME AND THEY REQUIRED THAT I USE THEIR REALTORS. 




" XXXX XXXX, We wanted to send you a note to let you know that your loan file has been closed because it was withdrawn, denied or marked incomplete due to inactivity. 
A letter outlining the full details of your loan closure should arrive in the next 10 days. If you have any questions in the meantime, or if you don't receive your letter after 10 days, feel free to reach out to your Loan Officer. 


Sincerely, XXXX XXXX XXXX XXXX ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LOBEL FINANCIAL CORPORATION
State: NY

Complaint narrative:
File an dispute with XXXX regarding Lobel financial XX/XX/XXXX. Checked the status of the dispute XX/XX/XXXX states account removed now my credit file is reflecting the acct back on my credit file after it was removed their reaging this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I FILED A DISPUTE CONCERNING INACCURACIES IN THE ( SANTANDER ) ACCOUNT THAT'S ON ALL 3 OF MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). THEY ARE REPORTING A BALANCE OF {$6100.00}. AFTER GOING OVER THE BREAK DOWN OF WHAT ( SANTANDER ) SENT TO ( CFPB ) ALL 3 CRA 'S AND ME I NOTICED THEY ADDED {$1300.00} TO THE {$4800.00} CHARGED OFF BALANCE. IT SAYS FOR AUCTION FEES, STORAGE, ETC ETC ... I WAS NEVER NOTIFIED ABOUT ANY AUCTION AND BY GEORGIA LAW I SHOULD HAVE BEEN NOTIFIED BY ( MAIL, PHONE, OR EMAIL ). THEY NEVER COMPLIED WITH EITH NOTICE REQUIREMENTS OF MY RIGHT TO CURE OR OF THE SALE OF THE VEHICLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
At the end of XX/XX/XXXX ( XX/XX/XXXX I believe ) I went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX- ( XXXX ) XXXX ) and I dealt with XXXX , one of the salesman. I explained to them that I had another 4-5 months left on my XXXX XXXX XXXX and that I was interested in looking at a new XXXX XXXX XXXX, but in order to do the deal they needed to pay off the remaining lease payments for my truck. We ended up coming to an agreement where they would pay my truck off and I would lease the new XXXX XXXX XXXX XXXX or at least I thought that was the case. I got the XXXX but about a month later, XXXX XXXX called me saying that I was delinquent on my lease payment for my XXXX XXXX. I explained to them that I did not even have the truck anymore and gave them XXXX XXXX 's information. I didn't think anything of it until I received another call a few weeks to a month later saying the same thing. I then got worried and started to call XXXX XXXX. They could not get me any answers and they kept saying someone would get in touch with me that they are looking into it. I kept texting XXXX and calling him, but got the same answers ( I have the text messages ). It wasn't until I refused to talk to the sales team and asked to speak to the general manager that I found out that both the General Manager ( who I dealt with ) and the Finance person ( who I also dealt with ) had been fired and they lost my deal/lease information and didn't pay off my car as promised. After finally getting to talk to the acting General Manager/Manager, they finally got to the bottom of it and had their corporate team cut a check. The reason I am emailing today is because it is already too late, my credit has sunk nearly 200 points and says it is now poor when it was very good. I need your help in correcting this. Please let me know if you need to see the text messages as backup

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
My mother, aunt, and husband received calls attempting to get in touch with me over an emergency business matter. My aunt was told by the caller that I gave her as a reference which I have never done. When I called the number and extension back, XXXX xXXXX four times, I only got a busy signal so I am unable to discern what the issue is in reference to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank has and continues to contact my mother and my niece.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed an Online Dispute regarding Account data in my XX/XX/XXXX Equifax Credit Report and although I've now received 2 email notifications indicating the dispute has been completed, I've been unable to access the results for 3 days.

After being unable to access the results again this morning, I shared my concern w/  Equifax via it's Online Chat service this morning. Although the Chat service fails to  capture the consumer content initially submitted, the remainder of the Chat has been posted below. 

XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Hello XXXX XXXX, how may I help you? 
Me ( XX/XX/XXXX XXXX XXXX ) : See concern in submitted 'Chat '. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Thank you for notifying us of this issue. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : We have a known issue on the website which has been already escalated. In this case we suggest you to contact a live representative over the phone. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : You may speak with a Consumer Services team member at : XXXX. They are available Monday through Friday from XXXX XXXX to XXXX XXXX in your time zone. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Do you have any additional concerns? If no further assistance is required, please disconnect the chat. Thank you for contacting Equifax. 
Me ( XX/XX/XXXX XXXX XXXX ) : I need to see the results of the Dispute investigation before speaking w/ someone about the matter. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : This type of action can only be performed by our Consumer Services Department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX??? 
XXXX XXXX XXXX paid/never late XXXX/XXXX XXXX paid/never late INQUIRIES XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX  I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX & XXXX XX/XX/XXXX  unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX {$30.00} ( SA ) XXXX XXXX not mine XXXX not mine XXXX {$2000.00} not mine XXXX {$3500.00} not mine

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MT

Complaint narrative:
National Credit Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MM Finance, LLC, Bellevue, NE Branch
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have bank statements proving i paid!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC
State: MO

Complaint narrative:
I started the home buying process with Keller Mortgage. I was told they would pay my closing costs and prepaids and had various other items they would take care of for me. When I found a home for {$85000.00}, they told me they were not able to assist me with my closing costs as the loan was not profitable enough and they advised me to seek another loan with another company. 

I feel this is deceptive and they are only marketing this " paying of closing costs '' to those loans {$150000.00} or higher, as mentioned on their website. It is almost like they are redlining, in that they are steering away from the lower priced homes and not offering the same benefits to those people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: HI

Complaint narrative:
I have requested validation and have never received anything validating this account. I do not owe this {$1600.00} for an XXXX account nor does this company have my name correct. Requesting this account be 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 2018-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I originally signed up for an account thru XXXX when a purchased a XXXX XXXX phone on XX/XX/XXXX. I was not satisfied with the product and requested a return on that was approved on XX/XX/XXXX. I then shipped the items back on XX/XX/XXXX and they were all received on XX/XX/XXXX at XXXX via XXXX Tracking numbers XXXX. I then started to be contacted by your firm almost on weekly bases that my account was delinquent and that you have no record of this return as it takes 60-90 days between your firm and XXXX to confirm the returns. I offered to provide proof of returns via the tracking info and return information and your representatives were very helpful and sated that they would note the account. Yet the calls continued, and I started to notice that my credit history was being affected via a delinquency on unpaid credit account. 
On XX/XX/XXXX i received the attached email from XXXX that a credit was issued. Yet I continued to receive bills from your firm that I still owe late fees on a returned item. I contacted your representatives and they stated that this matter was going to be resolved and that my credit history would be cleared up. My last conversation with your representative XXXX, XXXX was at XXXX EST on XX/XX/XXXX. To date my credit remains with negative/derogatory information from your firm. I believe that I have given your firm ample time to correct this condition.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have been in contact, and have received a letter, from the office of the chairman with citizens bank. I have been told that since i have received a refund in the past, that i am not alligable for another. This is despite the evidence of foul play provided to XXXX XXXX, who manages these types of complaints with citizens. This bank has manipulated my account by ; failing to update transactions, altering the order of deposites, holding deposites, double foreign atm fees, random service charges, and not following their own policies regarding posting orders. I was contacte3d by XXXX XXXX, and before reviewing my proof, he made the statement that there would be no refund. He refuse3d to review the evidence provided through email which documented the banks illegal activities to obtain their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I inquired about a HELOC and was very specific thats all I wanted. XXXX XXXX XXXX representive XXXX XXXX asked permission to run my credit. He then informed me that I did not qualify for a HELOC. they do not offer that product except to XXXX customers. This was not mentioned until after my credit was run. He then proceeded to attempt to sale my on a very expensive VA refinancing. Using faulty comparison in interest that did not take into account all variables. He focused on the non deductible mortgage insurance rather than the presenting me with an over all picture of the total cost. 

I complained to the companies complaint department about running my credit under false pretenses. They refused to remove the inquiry. 

This was a bait and switch attempt from the start. Had they mentioned they only offered HELOCs to XXXX customers I would have simply moved on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: OK

Complaint narrative:
Capital Accounts XXXX XXXX XXXX XXXX, TN Capital Accounts reported a debt balance of {$250.00} opened XX/XX/XXXX to XXXX, XXXX and XXXX. On one of the reports it was a balance of {$260.00} XXXX conflicted info ). 
Since then the following payments were made ... 
XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$10.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX {$20.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} Total paid to Capital Accounts {$240.00} so far. The balance owed would be {$18.00}. These payments were done online with a credit card.Capital Accounts is reporting back to the Credit Report companies a different balance over {$200.00}. It was previously removed by XXXX  and XXXX  since I disputed it..BUT Capital Accounts has now reporting it again with a wrong balance and is back on my credit report. Is this legal?? I have contacted Capital Accounts and they are not willing to cooperate. I have receipts if needed to send to you. Maybe we need to check their license see how legit this company is since it appears to be a scam issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery constantly calls me. I have told them numerous times to stop calling me. They get very rude when you tell them to stop. They spoof the numbers they call from. When you attempt to call them back on that number, someone else is getting my call and has no idea what is going on. This is horrible how they solicit using other peoples information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, Experian has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need Experian to provide an explanation as to why they put this back on my credit profile.

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 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I filed a claim against the XXXX for the amount of XXXX with BoA. BoA researched the claim and decided to reverse the XXXX because XXXX claimed they had paid me back my XXXX when they refunded the XXXX. That is indeed untrue because the XXXX was for the initial join fee because the month I joined it was only {$1.00} to join plus the fee which totaled to be XXXX. They then gave you the option to cancel before the 30day period for a full refund and to not be charged for the following month. I cancelled with a XXXX and then my initial join fee of XXXX was refunded. The problem came in when I was still charged the XXXX. I then emailed the XXXX and they were suppose to refund my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as XXXX. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as IC Systems. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: MT

Complaint narrative:
Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation