vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tebo Financial Services, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX At XXXX I received a voicemail from XXXX XXXX XXXX XXXX regarding a debt that was owed to Tebo Financial. I contacted the company and spoke with XXXX and advised him that on XX/XX/XXXX I had filed chapter XXXX bankruptcy and that this debt was included in the case. I provided the representative with the case # XXXX, and the representative continued to try to collect on this debt. When I advised him that he was in violation of the bankruptcy laws once given this information ; the representative continued. I ask to speak with his supervisor and also advised him that upon given the bankruptcy information calls and collections must stop. 

XX/XX/XXXX at XXXX ; I received another voicemail from XXXX XXXX XXXX that was and automated message, so I called the company again and advised that calls are to be stopped, and Spoke again with XXXX and was advised that was automated system. 

XX/XX/XXXX at XXXX XXXX ; I again received another voicemail from XXXX XXXX company regarding the same debt for Tebo Financial, and again spoke with XXXX. I advised him once again that they were violating FDCPA, Bankruptcy, and other laws since they were given the bankruptcy information and I informed them if the calls continued I would contact the Bankruptcy court, and file a complaint. 

XX/XX/XXXX at XXXX XXXX : I received another voicemail from XXXX XXXX XXXX from representative XXXX. I returned the call and advised XXXX that I had already provided the information regarding the Bankruptcy information and that there are to be no more calls. The representative stated that there were no records of this information, and that he would look into it and ask if he could call me back. I advised him that he could not call me back that the information was already given, and he could check that Bankruptcy court. I received another voicemail on XX/XX/XXXX at XXXX. 

XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX I have received voicemails from XXXX again asking to return call regarding this debt. This has now become harassment and I want this company stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This is related to Select Portfolio Servicing , Inc. and XXXX XXXX. In XXXX my wife and i took out a HE Loan with XXXX XXXX ( XXXX ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with XXXX XXXX. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, XXXX sold my loan to SPS, Inc.  There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from SPS for the lien they assumed from XXXX, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by XXXX. I am being told by SPS Servicing , Inc. that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told SPS the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact XXXX XXXX other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. There are FIVE hard inquires on my credit report that I did not authorize ; from CBNA. I have been in constant communication with this company for the last few months. I even faxed ( per their request ) a copy of my credit report ; listing the inquires from this company. All they do is transfer me to their Fraud department ; which always results in " Sorry ma'am we can't locate you in our system ; and don't see any applications or accounts matching your demographics. However, those FIVE hard inquires are plain as day on my report. I filed a complaint, and nothing is being done. I have not been seeking any credit ; as my personal documents and social security card was stolen over a year ago. I would like these inquires deleted. As, the company keep saying ; They have no record, application, or business dealing with me. Again, I am screen shooting the inquires. I just want them deleted. I didn't authorize them, don't have an account with them, never even heard of them. As, i have stated. These inquires are fraud. Of course the demographics match mine. The person was trying to open debts and accounts in my name. That is the purpose of me contacting you all to advised you of this. As, I have stated. I was homeless, no computer, no place to live. There is no way I was seeking credit during those time. The inquires are Fraud. And, I would like for you all to move them. Because, I was not applying for anything. Other companies have completed a thorough investigation, and remove those inquires. You are reporting 5 times ; on five different occasions. I would like this to be removed. Please ; How can you all leave negative unauthorized reporting on my credit file. That I did not authorize. PLEASE REMOVE THEM! 

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 2018-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a {$1000.00} deposit at BBVA Compass ATM XXXX, XXXX, Texas, XX/XX/18, at XXXX. Compass debited my account with a {$630.00} auto draft, that is not processed until the XXXX of each month, prior to crediting me with the deposit, which was made first. This resulted in 4 overdraft charges. I spoke with XXXX ( sp ), Compass Bank, on XX/XX/XXXX, but she only agreed to refund 3 of the charges ( stated it was a busy holiday ), which then resulted in another overdraft charge. I spoke with XXXX and then XXXX, both with Compass Bank, on XX/XX/XXXX, requesting that the remaining 2 charges be credited and refunded back to me, but neither agreed. They stated they only could see my deposit was made on XX/XX/XXXX, even though I told them I had my deposit slip reflecting it was made on XX/XX/XXXX, prior to the {$630.00} debit, and then the domino effect. 
I know that BBVA Compass has been penalized previously for these actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have previously submitted a dispute due to XXXX not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through Credit Acceptance, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. Credit Acceptance sent me mail showing the account satisfied and closed. On XX/XX/2018 XXXX  reopened this paid closed account to unpaid with balance of {$160.00}. I called Credit Acceptance XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with XXXX because them had indeed sent XXXX my file for this account being paid and closed. XXXX had severally damages my credit because of their negligence and I am ready to sue them over 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 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NH

Complaint narrative:
I applied for the XXXX XXXX XXXX on XX/XX/18 and was informed via email on XX/XX/18 that a decision had been reached on my application. I logged into the website and it listed my application as declined, stating that I would receive a letter in the mail with further details in 7-10 business days. When said letter did not show up as of XX/XX/18, I called customer service on XXXX and was asked to call back on XX/XX/18 if I did not receive the letter by then. I called back on the XXXX, explaining that the letter still hadn't arrived and was informed that a new letter would be sent out. I have not received either letter as of XX/XX/18.

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 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: IN

Complaint narrative:
I checked my credit report and noticed there was a new collection account from MDS listed on my report and immediatly called the company and provided them with my request for information via fax as wells as vi mail. My request was for specific information pertaining to the account they indicated belonged to me. My request asked for the information authorizing the company to collect the debt from the original creditor, a copy of the agreement I signed with the original creditor, the date they acquired the debt with the original debtor as well as other pertinent information pertaining to the account they have. I sent a copy of my identification to prove who I am. In my request I demanded that if this information is not provided that they cease and desist all further collection efforts and remove every negative report they have made in regards to this account to all credit reporting agencies immediately and indefinitely. My request was for the company to comply with FCRA guidelines as well as HIPAA. The company failed to comply thus far and have only sent me a billing statement and a copy of the charges they are alleging belong to me. The information they sent does not bear any of my personal information as it relates to that on my credit report yet they have failed to remove all reporting and have sent me a bill. I have copies of every letter I sent as well as confirmation of my detailed letter/request from the USPS which shows they have received my request but have failed to comply with FCRA/HIPAA

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 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: WA

Complaint narrative:
they were never taken off i have 3 old ones on the XXXX  credit report that should have been taken off. just like they were taken off my XXXX   XXXX CREDIT REPORT. I have complained about this thousands of time and nothing has happen. 
ones for {$170.00}, {$170.00}, {$200.00}, Now there is another one on here i have never heard of or seen anything about for {$660.00} or something like that. please help me i am just trying to fix my credit reports up so there all right around the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/XXXX of 2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. 

My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Conn's, Inc.
State: TX

Complaint narrative:
Upon receiving a call from from XXXX with Conn 's collections dept., I was reluctant to pick up and wanted to advise them that I had recently came into full time employment and that my first check would be XX/XX/XXXX and that I would be more than happy to make some type of payment then. The collectors communication tactics were very poor and were very brash, belligerent, condescending, and he wasn't talking to me, but was talking at me. The collector was informed that the merchandise had stayed in a vehicle that was repossessed. I am a XXXX XXXX XXXX that was working part time, that was made to feel foolish and beneath him when he said, " So your telling me you haven't worked in 7 months? '' I said, " If you can see I had a deferment in XXXX, I could not have foreseen my company trends as far as employment. They started cutting my hours and as it was i was part time. I went from 25 hours a week to getting told I wasn't needed for the day. '' As if telling him I had been unemployed was not good enough. He was very defensive and I felt that his tone could have been considered abusive and belittling, there was no empathy when he stated, " You do know why we are calling you? '' as if to make you feel feel beneath them because you owe them .... 

After stating that I wanted to pay them even if I did not have the merchandise, but that I will not have funds till XX/XX/XXXX that's when he said so you don't have anything, i said I don't have anything, I'm literally negative, i can show you my bank account if you want. he then stated, " by then your account will be charged off or could go to legal '' Very misleading on his part because he failed to fully explained what exactly that meant by it could go to legal. So I stated so what, does that mean you are taking me to small claims court? He said, there is no telling it could go to legal, asset recovery, or some other department I do not recall. He was very deceptive when he stated legal and vague, I feel that he was in violation of many consumer rights. I do not want to have to deal with them every again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My closing disclosure document states on the page 4 that HOA fees were included in the Escrow costs from USAA for a monthly payment of {$370.00}.

When I signed my initial monthly Escrow payments disclosure the payments stayed at {$370.00}.

USAA has admitted that my

C losing Disclosure form is inaccurate, but now I'm stuck with the {$92.00} payment every month for my HOA when I thought that was included in my monthly Escrow Payment. It seems like a deceptive way to get someone into a mortgage and then come back with fees at a later date. The form on your website seems to say that's where I look for covered costs and HOA is written in there clearly. I've included my CD below where it states that HOAs are covered.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 XXXX debit my saving account {$99.00} they than debit my account again {$25.00} dollars on XX/XX/2018. I called them to let them know that they debit my account and they advise that they dont show my saving account only my checking account. I called them 5 times on 5 different days and they told me to dispute the charges because they didnt see the charges on my account. I called Citi bank and file a dispute. 4 days later I called because they still havent credit me the funds they told me I had to wait until XX/XX/XXXX to get my funds back. I spoke with XXXX employee number XXXX and she was the worse customer service associate Ive ever spoken with, she pretty much told me that they dont care how bad i need my money i have to wait 2 weeks to get my money back, she told me to call the merchant back again. I am so frustrated with Citi bank why does it have to take so long for you to give me my money, I work hard to earn. Ive never been treated as bad as today. I really do hope I get a survey on XXXX employee number XXXX. I want my money back!!!

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 2018-09-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from XXXX XXXX  and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.

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 2018-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I am trying to contact this company to correct some information on the credit status and information pertaining to the debt. they are unreachable XXXX XXXX XXXX XXXX XXXX other # XXXX neither is a good phone #, their fax just rings and rings. How can I resolve this issue if they are unreachable? and why so many law suits against them? I've been seeing so many Texas residents in a class act lawsuit against them. How am I suppose to pay this company and fix my credit if this all going on. why hasn't anyone done anything about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; Transunion, XXXX, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX XXXX submitted a letter stating account was 89 days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not 89 days past due.

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