vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 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: Investment Retrievers, Inc.
State: TX

Complaint narrative:
I have tried to contact investment retrievers regarding an account that I never owned and they told me to dispute it and it will be deleted and that was correct except it still remains on XXXX after 90 days and I am trying to close on a home and this is holding me back I just ask that since its verified it didn't belong to me why wasn't it removed from all 3 not just 2 reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I attempted to try and settle my account with XXXX XXXX or Santander. They have failed to try and work with me. I have sent them Goodwill Letters to settle for what I knew I was behind prior to ME surrendering my vehicle. They did not initially want the vehicle back, they were trying everything to get me to keep the vehicle. At the time when the vehicle was purchased I was in need of a vehicle and they were just about the only place I could get a vehicle from without a high down payment. I thought I was able to manage a {$470.00} car payment, and I kept asking the sales rep, could I get the vehicle refinanced after 6mths or so t lower the payments or interest on the loan of the car. I was told yes, but after contacting XXXX XXXX I finally realized that I would need to keep the vehicle a complete year before I could think about refinancing. So that's when I realized it was either me lose my place or lose the car. I decided to call them and surrender the vehicle. They stated they would sell the vehicle at an auction. I believe it was sold for $ 10,000-11,000. According to a my credit report. But after that they never contacted me to work anything out. Now here a year plus later, they are damaging my credit ratings to the point I can't get loans or anything because it s sitting there reporting derogatory things. Every month the balance goes up and a comment is posted to my credit. This company would rather damage your credit rating than work with you on settling the account. And then another thing, they never tried to contact me anytime after the sell of that vehicle. I never received any mail from them, no phone calls or anything with settling the account. I also was not informed that XXXX XXXX was now owned by Santander until some recent post popped up on the internet. But they want to be know as a good and honest company who works hard for their customers. That is a lie, they work hard for themselves and no one else. Long as they getting your money and your credit rating that's all that matters. My advice to anyone who is the market to buy a car, DO NOT GO TO SANTANDER OR XXXX XXXX. They are nothing but the XXXX, and they do not care about you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have written several certified letters to XXXX AND XXXX XXXX asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of {$2100.00}. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX AND OR XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement is not sufficient validation of evidence.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: ND

Complaint narrative:
Discover Financial 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 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc.
State: MD

Complaint narrative:
My mortgage was transferred from XXXX XXXX  to Sorits as of XX/XX/XXXX per documentation. I received official letter from Sortis on XX/XX/XXXX regarding the transfer and that my first payment was due on XX/XX/XXXX. 
I received another letter from Sortis on XX/XX/XXXX in my mail ; it was dated XX/XX/XXXX ; saying that my mortgage payment was more than 30 days past due and my loan was in default. 
In XX/XX/XXXX my mortgage was transferred from XXXX to XXXX XXXX. In XX/XX/XXXX, I mailed a check for the mortgage to XXXX ; then after that, starting in XX/XX/XXXX, payments were automatically sent from my account. Per the records in that account, XXXX started returning some of those payments back into the accounts. Those automatic payments were mailed consistently until XX/XX/XXXX, when Sortis was taking over the account. 
I am asking that any back payments prior to XXXX taking over the loan ( then transferring it to Sortis ) be attached to the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Debt Mediation, Inc.
State: IL

Complaint narrative:
on XX/XX/XXXX I worked with PROFESSIONAL DEBT MEDIATION to close a collection account. Together we negotiated a PAY for DELETE on this collection account as It was given permission from XXXX XXXX XXXX. On XX/XX/XXXX I made the payment of {$200.00} to satisfy the collection account and told PDM would reach out to all 3 credit bureaus and remove any trace from the collection account on my credit report. 

On XX/XX/XXXX, i reached out again to see why there were no changes to my credit report being as we negotiated a pay to delete. I was told that my inquiry would be sent over to XXXX XXXX at XXXX. XXXX would reach out to me regarding my concerns. 

I did not hear back from anyone nor did anyone from PDM call me. I then reached out 5 days later on XX/XX/XXXX and asked if there was someone else that could assist me. I was then sent a letter via email with the date of XX/XX/XXXX ( see attached ) That PDM send to the credit bureaus i'm assuming? 

I paid the account off on XX/XX/XXXX. Why does the letter being sent to the credit bureaus have a date of XX/XX/XXXX? This means they never sent the letter in the first place. They didn't do their job to close the account and give work to the credit bureaus. Why should i be emailing them over and over to have them do THEIR job? I should not have to do that. I

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 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Simple Cash Loans, Inc.,
State: CA

Complaint narrative:
I went to meet up with a rep of XXXX XXXX in XX/XX/XXXX to getting a loan using my car as collateral and ask for XXXX , prior to asking the man on the phone *XXXX* said that they would need to put a gps on my car and only give me XXXX $ cause of fees for stuff about dmv and titles. So I ask XXXX and XXXX was skeptical over phone and said hell ask his associates and come back saying okay but youll only get XXXX cause of fees and stuff. As I was talking to his assistant to sign paperwork to make it official they told me that normal title loans youll pay interest rate like any other title loans. So when the assistant went over the paperwork with me on her computer she said an estimate of XXXX I would have to payback with no time frame prior paying back so it sounded reasonable me cause I borrowed a bit more and would have to pay a little more from interests and fees. So months went by and I started to notice that the balance I owe wasnt going down and email them saying why it kept going up and down on my payoff balance account and they respond that it changes daily on my account. Didnt think about it too much and forgot about it. Come about a year later Im stilling paying it so I look about my copy of paperwork and notice that they gave me XXXX $ and the APR is 128 % over 36 month time period and after Ive done payed off my total would be over XXXX . Ive email them about this and gotten no respond as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
Capital One 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 non-monetary relief
Consumer complaint received 2018-05-03 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 — Problem with personal statement of dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX XXXX Account # XXXX Im filing a complaint because this is not a valid debt and it shouldnt be in collection. This bill is stemming from a disagreement over an early termination fee. I was told in person by a representative that they had to put me in a contract for a promotion to take effect but that it would not have an early termination fee. They went over that two times to my face in person. I did not read the fine print because I completely trusted the representative. I cant help but feel completely duped here since I was misled by one of their Customer Support. 

I am in a very difficult situation now, being the only provider for the family. I have to work hard and provide everything for them. I have a sick mother to take care of and I need to buy a home that can accommodate her medical need and one that is in closer proximity to the treatment center she visits weekly. This collection account on my credit report is the only thing that is preventing me from moving forward on this. Its beyond frustrating.

I would sincerely appreciate if they would submit a request to remove this account from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACQ Holdings, LLC.
State: WI

Complaint narrative:
I received through email or a mailing, how to receive overnight {$800.00} which I am pre approved for, so I called and spoke with a man, recalling the conversation nothing was mentioned about the huge payback amount, certainly not this must money he was fast talking and confusing, however strapped for cash I agreed, now For and quickie loan over the phone, which started 1st deposit into my checking account was XX/XX/XXXX, {$800.00} REPAYMENT 1st payment, electronic withdrawal, XX/XX/XXXX, {$300.00} 2nd payment electronic withdrawal, XX/XX/XXXX, {$400.00} 3rd payment electronic withdrawal, XX/XX/XXXX {$400.00} 4th payment electronic withdrawal XX/XX/XXXX {$400.00} which I have now repaid {$1900.00} and have 8 more scheduled payments which means I will have repaid {$3200.00} for the original amount of {$800.00}.

can this be legal??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
i called chase to file a claim against these unauthorized transaction and after review they denied the claim due to cause : mentioned i used this merchant in the past Merchant : XXXX XXXX # XXXX XXXX in transaction date : XX/XX/2018 amount : {$2100.00} claim filed date : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern, Over the past few months since the account was opened in XX/XX/XXXX. Regions has not only charged me over {$180.00} in overdraft fees caused by disputes they refuse to actually investigate. The bank also refuses to refund the fraud that occurred in XX/XX/XXXX and XX/XX/2018. I noticed these fraudulent charges on that were multiple duplicates for XXXX XXXX, A XXXX XXXX Bank ATM withdraw for {$400.00} and several other charges including one for XXXX. These charges all occurred after I lost my card, and then it was stolen. I locked it promptly. Called up their XXXX number, was told by the customer service agent, and the manager that they cant assist over the phone. Even though I explained in detail. After this I got online sent a secure message which took them two weeks to respond. I signed an affidavit. They never even investigated. Never placed temporary credits. Regions then proceeds to tell me that I authorized all of these. When I called to ask for proof because I know I did not, they said send them a police report or there is nothing they can do. This is crazy. XXXX XXXX would have gotten on top of the fraud and refunded me. Regions didnt even attempt to investigate and instead just assumes I should be liable. This is very upsetting and I have tried contacting them numerous times without resolution. 

Second issue is I have noticed this month a couple of charges keep appearing twice. I have notified them of this as well to submit a dispute. They also refuse to investigate this.

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 2018-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
I was using the suggested deferment options and when I lost my job I called to tell them. They told me to use another deferment and I said yes. Thy dint tell me that the papers where going to come by mail and they sent them to a wrong address and the deferment don't go in to action. Now I have two late payments in 11 different accounts from them and my credit is in bad shape because of that. I have called and they just don't want to hear or help.I think this a horrible thing to do to young students.

What can I do?

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
Ally Financial 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 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 2018-05-03 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I viewed my credit report and found an error on it with a collection company XXXX XXXX saying I owe {$10000.00} in which I know nothing of and this would be some sort of error on my report. I wrote the company in XX/XX/2018 and they never responded to my dispute. This item is reported on XXXX and XXXX and is affecting my credit scores. I would really like for this error to be corrected.

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 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recover, LLC
State: IN

Complaint narrative:
COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS.. CEASE AND DESIST COLLECTIONS WE ARE DEALING XXXX XXXX XXXX XXXX DIRECTLY! WE ARE CURRENTLY SUING THEM AND ARE IN LITIGATION AND YOU MUST REMOVE ALL CREDIT REPORTING OR YOU WILL BE SUED TOO!!!

Company response to consumer: Untimely response
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I had an agency look over my credit to help restore it. They informed me that the collecting agency, XXXX XXXX, had placed me in collections which caused a hard inquiry on my credit history. The date I placed on it reports for XX/XX/2017. I was never notified about this debt or an attempt to collect. The amount to collect is {$24.00}. I called to speak to a manager to pay off the debt and have it removed from my credit history and they always prompted me to an automated voice system. A few other attempts resulted in them hanging up on me.

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 2018-05-03 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: NY

Complaint narrative:
On my transunion credit report it is reporting that my XXXX account is an adverse account yet the pay status shows : Current : paid or paying as agreed. I have disputed this many times and it has been corrected with XXXX and the account shows as a positive account on my credit report. Transunion sent me a copy of the results from the investigation and it is still reporting as adverse with 1 late payment back in XX/XX/2017. I have contacted the creditor about this issue and was told to dispute it and they will respond that the account is current and always has been. There was a discrepency at that time with payments I had made to the account but it has been rectified since then and determined that the account has never been paid late. I am furious that this is ongoing and still has not been corrected. If XXXX was able to resolve the issue and put the account under accounts that are satisfactory then why is transunion still not fixing this problem? It makes no sense because the status is a positive one so it should not be listed under accounts that are potentially negative.

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 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I have sent several certified letters since XX/XX/XXXX to Lanier Collection Agency for debt validation of a debt that's being reported to XXXX for {$170.00}. I have not gotten a response from any of the letters that I've sent. I contacted the company on XX/XX/XXXX to pay the amount of the debt and ask for it to be removed once I paid the entire amount. I was placed on hold and told that I had 4 accounts with them and that they would not accept the payment to remove the debt until I paid all 4 which totaled to {$1000.00} ( not sure the exact amount ). Only one account is reporting on my credit report. I called to pay that one since I can not get validation of the debt. I was also told that they had spoken to me on several occasions about the debt and when I ask when because I did not recall, I was given a date of XX/XX/XXXX. The company refuse to accept the payment to remove the collect or to validate this debt, so I demand that it be removed from credit report and that they do not report any other collections that are not being reported. I was told that on XX/XX/XXXX they reported additional debts and as of XX/XX/XXXX the only debt that I'm referring to is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Back in XX/XX/XXXX, a fraudulent purchase was made through XXXX and charged {$120.00} to my Bank of America credit card through XXXX. After dealing with XXXX, I was forced to dispute the charge through Bank of America and it was decided on XX/XX/XXXX that the claim was in my favor and I should be getting refunded the charge. As of today, XX/XX/XXXX, I have not received my money refunded to my account and initiated contact three separate times to receive answers. I call on XX/XX/XXXX and XX/XX/XXXX and was informed that the funds should have been refunded within three business days. On XX/XX/XXXX, I called again because the charge has not been refunded and was told that it would take a few weeks to receive a refund for the charge. I have since closed my account with them because my faith in this company has diminished since they seem to be incompetent about refunding me 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 monetary relief
Consumer complaint received 2018-05-03 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: TX

Complaint narrative:
sent ftc of inaccurate information showing up on credit report Equifax, XXXX, and XXXX has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra

Company response to consumer: Closed with non-monetary relief