vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: DISCOVER BANK
State: NY

Complaint narrative:
I closed my Discover Card account in XX/XX/XXXX. Discover Card continues to access my XXXX   credit report and look for my SSN online, without my permission. I have tried multiple times to get them to stop accessing my credit information but they continue to do so. I've called multiple times to stop this, the latest conversation being at the end of XX/XX/XXXX, where they swore they were no longer looking up my info, and yet I received another email on XX/XX/XXXX saying they had been monitoring my credit report/SSN activity. 

They do not have my permission to do this, I am no longer a customer, yet they continue to look into my private information without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Oracle Financial Group LLC.
State: FL

Complaint narrative:
A guy name XXXX XXXX from Oracle 's financial debt collection told me I had to pay XXXX or the court will garnish my wages I block his number because I know I dont owe the XXXX XXXX XXXX no money then the next day a woman name XXXX XXXX said she was his boss and that she from finalization and she need the money or the court will see me I dont know how these scammers got my information my address my phone number my email I dont know how I am very upset I'm gon na to the cops!!!!!!

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 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: GA

Complaint narrative:
On XX/XX/2019, I received a l collection notice from XXXX XXXX XXXX XXXX,  and I call and and spoke with a rep. and I told her that two other collection agency failed to provide Debt Validation of the {$850.00} that is required. I also told XXXX XXXX XXXX XXXX, rep that during the same time I was requesting Debt Validation from the two collection agency at same time one was sending noticed in an email and other by us mail which was harassing and confusing both collection agency was referencing over the phone that they was collecting on behalf of XXXX XXXX XXXX. The debt {$850.00} that is alleged that I owed to XXXX XXXX XXXX and as of today I dispute the debt of {$850.00} because of unfair trade practices and collection practices used by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, refused and delay and to accept my request to file a dispute against the merchant and XXXX XXXX XXXX provided false information and miss leading information as of the dispute status and the current amount owed at that time in letter to me. I asked that the Consumer Financial Protection look in this matter because XXXX XXXX XXXX is using several different names at same time to collect on {$850.00}, today I called XXXX XXXX XXXX XXXX-XXXX-XXXX who told me over the phone that I owed the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I made a payment to XXXX using my checking account with SunTrust for $ XXXX XXXX, 2019. SunTrust reversed the payment to XXXX which resulted in a {$27.00} return check fee added to my balance. SunTrust reversed the payment without my consent or knowledge. I requested SunTrust to return payment but it refused. 

XX/XX/2019 XXXX XXXX Denied Balance Payment Loading transaction details for XXXX XXXX Denied Balance Payment -  negative {$27.00}

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 2019-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: OK

Complaint narrative:
I began working with a broker ( XXXX XXXX ) with Movement Mortgage XX/XX/XXXX. I wanted to refinance my current home, as it was to become a rental property and purchase a new home. I would have 2 transactions with their company. Over 3 months later, there was no progress nor were we moving forward on these transactions. 

On XX/XX/XXXX the broker ( XXXX XXXX ) informed me she was moving to another mortgage company ( XXXX XXXX XXXX ) and wanted to bring my accounts with her. It is my belief the broker was holding my file to take my business with her when she got setup with a new company, however, I had always expressed my desire to close as quickly as possible. I advised XXXX XXXX I wanted to move forward with Movement even though she was no longer employed there. In the meantime, XXXX XXXX, submitted an application, ran my credit and sent me disclosures through XXXX, even though I did not authorize her to do so! 

I started working with XXXX XXXX with Movement on XXXX. Ultimately I had to resubmit all documents and disclosures and application due to the previous broker ( XXXX XXXX ) never putting my info into the system at Movement. I paid {$1300.00} for appraisals for both properties ( My current home and the new home ) arranged by Movement and later found out XXXX XXXX ordered the appraisals and immediately put them on hold. No appraisals were completed and XXXX XXXX   service ultimately refunded my money. The process still seemed to not move forward. 

I decided this was not the right company for me to setup a mortgage with due to the lack professionalism, empty promises and lack of communication and I decided to apply with another mortgage company. I informed XXXX, from Movement on XXXX that I decided to go with another lender. I was advised by my new Lender, Movement sent in information to FHA and HUD stating I was a risk and Movement denied me for a home loan, which is not the truth! I lost my financing with the company I was working with and my lender was forced to find a new lender for me. I believe Movement made this claim to FHA and HUD as retaliation for me deciding to go with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Last month my heart sank when I looked at my credit report and found out that my score had plummeted from between 825 to 840 to just above 600. After some investigating, I found out that TD Bank had reported me delinquent on something. I say " something '' because to date neither myself or TD Bank can tell me why this report was made, how to correct it or what department to contact. One agent even told me TD Bank owes me money!. I have spent hours on the phone trying to contact credit reporting agencies and TD Bank but the pain persists. Strangely enough, the negative mark went from a loss (? ) to being late and my credit went up but again but only to XXXX as there is still a negative mark where again, NO ONE CAN TELL ME WHAT ACCOUNT, WHY, WHEN or HOW TO CORRECT IT. I have written every one I can think of and can not get this corrected. I looked online and saw at least hundreds of others experiencing the same circular XXXX involving TD Bank even see a report of them settling a class action suit in 2016 involving ruining innocent consumers credit and am wondering how they can be allowed to reap so much ruin on consumers with impunity? 

Any help will be greatly appreciated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage loan is in default and was recently transferred from Seterus to Nationstar/Mr. Cooper. Ultimately I will lose my home through foreclosure since Seterus was unwilling to work with me to save my home and I fear Nationstar will continue this practice. My loan qualifies for mortgage assistance, but Seterus kept telling me that I have had too many workout plans already. However, the one modification they gave me they made an accounting mistake and never accounted for my second trial modification payment. When I called in to fix this they basically said that there is nothing they can do and kept telling me to call back next month to see if they can help me. I have not had a single point of contact that I could work with and will lose my home through foreclosure if something isnt done. I am a XXXX   XXXX  and am not always in the country. A few years ago, I foolishly trusted my boyfriend to take care of the mortgage payments while I was gone for months at a time taking care of my patient. Instead of being responsible and making the mortgage payments, he took the money I sent him and squandered it. I was unaware of that I was delinquent on my mortgage payments until I came back to the country and found out I was delinquent. I contacted Seterus and I got a trial modification in XXXX of 2018. I made my XXXX payment and called Seterus in XXXX to make my next payment. One of their representatives, XXXX, called my bank to verify funds while I was on the line and was told the funds were in the bank. Everything was verified and I was told the payment was made, but their representative made a mistake and did not do the transaction. Then I was advised by XXXX that my payment did not go through because I GAVE THE WRONG ACCOUNT NUMBER for my bank account. However, it is impossible that I gave them the wrong number since XXXX confirmed the bank account number while she was on the line with my bank! After that everything fell apart and I lost my modification. I tried to work this out with them, but they have turned their backs on me and now I will lose my home through foreclosure if you can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TOWNEBANK
State: MD

Complaint narrative:
I closed on my loan XX/XX/XXXX with Monarch Mortgage company. A year later I received an email from Monarch requesting my signature on a document. I didn't feel comfortable about signing documents after the fact ; therefore, i reached out to Bank XXXX XXXX ( XXXX ) to seek advice. i was told XXXX didn't have any documents regarding my mortgage. Therefore, I refused to sign any documents from Monarch. On XX/XX/XXXX I logged onto XXXX XXXX website to retrieve a copy of the deed of trust because XXXX sent a letter claiming they transfered my deed of trust to XXXX XXXX. This was alarming because XXXX was never listed on my deed of trust nor were they listed as the trustee. I found four new amendments with my signature ( forged ) and reference of consenting to the amendments. ( I didnt consent ) I was unaware of these amendments. Documents are attached. Please advise me of my rights. greatly appreciate any assistance in this matter. 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 explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE CONTACTED XXXX AND EQUIFAX THAT THERE WAS FRAUDULENT ITEMS ON MY REPORTS NUMEROUS NUMEROUS TIMES AND CIRCLED THOSE ITEMS ON SAID REPORTS SENT THEM MY POLICE REPORT SPELLING OUT SAID ITEMS WERE FRAUD AND I WAS A VICTIM OF IDENTITY THEFT, AND SENT THEM THE FCRA 605 B LAW STATING THAT THEY MUST REMOVE SAID ITEMS, THEY HAVE REFUSED TO FOLLOW THE LAW FCRA AND HAVE NIT REMOVED ITEMS AND IT HAS IMPACTED MY CREDIT AND GETTING LOANS, JOBS ECT. THEY ARE NOT FOLLOWING TE LAW AND I WANT THEM TO BE HELD ACCOUNTABLE AND I DEMAND THOSE ITEMS REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an XXXX XXXX XXXX credit card through Bank of America. I am able to access card information through an online service through Bank of America. I have activated a " minimum payment option '' which indicated that my amount due was {$210.00} to be taken directly out of my bank account. I have confirmed with Bank of America that the minimum   pay option was marked on my online account. 

Bank of America took {$10000.00} in addition to the {$210.00} on XX/XX/2019. This was unauthorized, and represents an illegal action by Bank of America. Please prosecute them for theft, as they now have confirmed to me that they will not be returning these funds. This was especially vexing as the funds in my account were to pay Federal and State taxes.

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 2019-04-26 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: NY

Complaint narrative:
I HAVE CONTACTED EXPERIAN AND XXXX THAT THERE WAS FRAUDULENT ITEMS ON MY REPORTS NUMEROUS NUMEROUS TIMES AND CIRCLED THOSE ITEMS ON SAID REPORTS SENT THEM MY POLICE REPORT SPELLING OUT SAID ITEMS WERE FRAUD AND I WAS A VICTIM OF IDENTITY THEFT, AND SENT THEM THE FCRA 605 B LAW STATING THAT THEY MUST REMOVE SAID ITEMS, THEY HAVE REFUSED TO FOLLOW THE LAW FCRA AND HAVE NIT REMOVED ITEMS AND IT HAS IMPACTED MY CREDIT AND GETTING LOANS, JOBS ECT. THEY ARE NOT FOLLOWING TE LAW AND I WANT THEM TO BE HELD ACCOUNTABLE AND I DEMAND THOSE ITEMS REMOVED 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 2019-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I had leased a used XXXX in XX/XX/2016 and at the end of the lease turned the vehicle in. At that time I bought another XXXX vehicle. I did the transaction at XXXX of XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The salespeople who sold me the new car were XXXX XXXX and XXXX XXXX. 

I wanted to lease the vehicle but at the time XXXX was not providing leases on used vehicles. So I opted to buy the vehicle outright. At the time of purchase I confirmed that I will not be assessed a disposition fee. I asked this explicitly and was told clearly NO disposition fee since my only option was a purchase ( not lease ). But a month later I received a bill with disposition fees. 

When I spoke to XXXX XXXX at the dealership he was surprised and promised to fix the situation. His exact words : " Send me the paperwork, you should not be paying this fees ''. I emailed the paperwork to him and he replied saying he's looking into it. Later he told me that I'll have to take this up with XXXX XXXX. This was a total flip-flop! But I got in touch with XXXX XXXX and they instead claimed that I'll have to resolve it with dealership. So now I'm left hanging with the dealer effectively lying to me and me having to pay {$350.00} which I wasn't supposed to!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
XXXX XXXX informed me ICS states I owe XXXX as of XX/XX/2019.I know XXXX XXXX XXXX XXXX . Trailor park used my information to get XXXX XXXX, without my knowledge.I rented a eoom from him. His exwife told me the bill was in my name. I dont owe this.He did thid without my knowledge.

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 2019-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
ALDRIDGE PITE AND HAAN HAS BEEN DEDUCTING XXXX FROM MY ACCOUNT, CAUSING MY ACCOUNT TO BE OVERDRAWN. I'VE CALLED THIS LAW FIRM TWICE AND TOLD THEM I'D PAY XXXX PER MONTH, YET THEY DIDN'T CANCEL THE AUTODRAFT AND STILL HAVE ACCESS TO MY CHECKING ACCOUNT. { THEIR PHONE CALLS ARE RECORDED, SO THEY HAVE THE TAPES ON FILE. } I HAVE TO PAY OVERDRAFT FEES AND THEY CALL MY HOME DAILY. I SEND THE XXXX PAYMENT VIA CERTIFICATE OF MAILING, WHICH IS LEGAL DOCUMENT, AND STILL THEY ACCESS MY ACCOUNT, TRYING TO DEDUCT A XXXX PAYMENT THAT I CANCELED IN 2017. ALDRIDGE AND PITE HAS BEEN DOING THIS MONTHLY. THEY ARE ILLEGALLY ACCESSING MY CHECKING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
On XXXX, XXXX there was a hard inquiry on my XXXX   credit score from synchrony Bank National Credit Card/Airline. I did not apply for any Credit Card as I just completed a Bankruptcy in XX/XX/XXXX. I called the phone number that came with the hard inquiry from Synchrony Bank. The lady there told me to call XXXX. So, I proceeded to call XXXX. The lady there explained the deletion process. I was to call Synchrony Bank back and get a " Letter of Deletion '' from them. Once I received that, then I was to send that with a letter of Authorization to XXXX   : XXXX XXXX XXXX, XXXX, PA XXXX, and to make sure that I include my Name, address, last 4 of my SS #, and the File # XXXX. So, I call Synchrony Bank back. First I get XXXX - she was unable to help me at all so I asked for a supervisor. I get XXXX on the line and he proceeds to tell me that he can not give me a letter as this is a known issue between XXXX  & XXXX XXXX - he called it " Naming Table Translation ''. I have no idea what this means, but again, I was told to call XXXX. So, one more time I call XXXX. I speak with XXXX. I again get the same story but he is going to mail me a copy of my Credit Report ( not sure what that will do ) - you need to call Synchrony Bank. I am so frustrated at this point. I do not have any documentation other than my Credit Report showing the hard inquiry.

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 2019-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I purchased a vehicle from XXXX XXXX of XXXX XXXX on XX/XX/2018 under XXXX XXXX XXXX XXXX. The vehicle was a used XXXX XXXX truck for sale at {$16000.00}. Shortly after purchase ( within 1 week ), the car began to experience serious malfunctioning issues. After several attempts to fix the vehicle by the dealer, and having the vehicle damaged by the dealership while it was in their care for 2, almost 3 weeks right after purchase, I requested a refund of the down payment of {$4500.00} and asked to return the car which was met with much difficulty and lies. I went through all state level procedures to file a complaint and an agreement was made by the dealership with the Office of the Attorney General Consumer Protection Division to refund me my money, take the car, and cancel the loan that was in conjunction with Credit Acceptance Corporation. XXXX XXXX, nor Credit Acceptance Corporation will corporate -- despite an agreement to cancel the loan and my purchasing of another vehicle from a reputable dealer. The car is not driveable and sits in the damaged lot of XXXX XXXX. XXXX XXXX stated that it is on Credit Acceptance to refund my money and cancel the contract. Credit Acceptance says they can not do anything until the dealership does it, and says the cancellation and refund resolves with the dealer. No party seems to be telling the truth, regardless of all the proof that the car should not have been sold. I am out of {$4500.00} for a car that does not work, that failed inspection, and I do not drive. Credit Acceptance has not been helpful at all and neither has XXXX XXXX. Credit Acceptance keeps billing me, and XXXX XXXX refuses to take their car -- they stated they won't corporate with the transaction and that they will allow it to get repossessed-something I can not afford. Neither party is recognizing that this car was sold that didn't function properly and is still holding me accountable. I have attached proof.

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 2019-04-26 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: FL

Complaint narrative:
XXXX HAS FAILED TO REPORT MY AUTHORIZED USER ENDING IN XXXX INFORMATION TO TRANSUNION. 
XXXX XXXX TRANSUNION IS NOT REPORTING MY AUTHORIZED OF USER ENDING IN XXXX TO HIS CREDIT REPORT. 
XXXX XXXXXXXX

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft

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