vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 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: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I contacted the university i graduated from to purchase a new copy of my diploma with my updated last name. The university sent me an email shortly after stating my account was in collections and they could not honor my request. They sent me the name of the collections company that owned the account, XXXX. I contacted the number provided, XXXX ( XXXX ) XXXX, and was told by a representative that she could not access the account but she did see the chapter XXXX bankruptcy information added. She then provided another number XXXX, and a gentleman tried to contact my account owner but was unable to access the account as well. He provided me with the VP name and number, XXXX XXXX at then told me to contact her directly for status update. 

I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I originally tried to workout payment plan details with my mortgage provider, XXXX. XXXX would not work with me on payment arrangements. I tried calling multiple times. Greentree took over servicing for the loan and would also not work with me on payment arrangements. At this point, Ditech Financial LLC took over servicing, and still would not allow payment arrangements with me. It is now effecting my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Please explain all discrepancies in the payment history for year XX/XX/XXXX-XX/XX/XXXX. 
I did not have access to payment history on Bayview Loan Servicing ( BLS ) web portal. When I completed my Chapter XXXX and it was finalized Bayview Loan Servicing released payment information and I was able to access the payment history on BLS Customer web-portal. The evidence in the report attached to this complaint shows that {$27000.00} was being held in the suspense account through as of date XX/XX/XXXX - XX/XX/XXXX the suspense Balance dropped to form {$27000.00} to {$26000.00} to {$25000.00} to {$24000.00} Please explain where the money in the expense account came from and why it was not applied to timely monthly mortgage payments. The Suspense account dropped {$7800.00} - XX/XX/XXXX. I have been over paying the monthly mortgage payment by {$52.00} monthly a total payment of {$2000.00} - On the BLS Monthly statement the payment amount is {$2000.00}. No where is the overage of {$52.00} being accounted for by Bayview Loan Servicing it is not reported on the website or the monthly statements. WHY NOT? 
BLS ESCALATION TEAM Please look at the attached legible payment history documents and cross reference the payment history and explain the suspense amount and suspense balance fluctuation.Where is the Money?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
This is a follow-up to a prior complaint last week against CSR ( Central States Recovery ). CSR is now telling me that they can not fix their errors, because XXXX has issued a " cease and desist '' order against them, basically telling me that it's my responsibility to correct their errors. I get nowhere with XXXX, so I'm frozen. I need to get a place to live, as well as buy a new vehicle, which now I can't do until their mess is fixed. Under the FCRA, they are required by Federal Law to correct their errors, not walk away from their errors, with their cavalier attitude. They don't return my calls, and they won't take my calls, as the receptionist sends to voicemail. Their client, XXXX XXXX, will not return calls either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: LendingPoint Holdings LLC
State: NC

Complaint narrative:
I was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX XXXX XXXXXXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a joint credit card account with my ex partner from 2002 with XXXX XXXXXXXX XXXX listed as XXXX. I have not seen or heard from them in over 16 years. I am not to be held responsible for his spending since I left in 2002. The bank won't take my name off without his approval. Again, I haven't had any contact in over 12 years and I want this off my credit report.

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 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On approximately XX/XX/2018, I received a pre-approval letter for a XXXX credit card from chase. I filled out the information online. I entered an invitation code included on this letter. I submitted the application and was told that chase needed to get more information on my application. Today, XX/XX/2018, I received a letter from chase informing me that my application was declined for the following reasons : Your credit report reflects charge-offs or bad debt. 
Credit report shows delinquency or public record. 
Charge of history on one or more credit cards Average age of account is too short. 

1. No charge-offs are present on any of my credit files. 
2. No delinquencies or public records are present on my credit files. 
3. Again, no charge-offs are present on my credit files. 
4. My credit reports all show a 12 year credit history. How exactly is that too short? 

I have had a checking account with chase in good standing for the past two years. Each month without fail, chase removes {$12.00} from my account, yet provides me no service. It is hard to deal with a bank which refuses to assist me in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My car loan was sold to another company ( Santander Consumer USA ) after my car was deemed a total loss. I was never notified that the loan was being transferred or that the account was placed into collections or a charge-off. When I contacted the company after noticing that my credit score dropped over 50 points, they were unable to give me proper information or documentation that the account received payments from my insurance company or GAP company. I even called both of these companies to verify that the payments were actually made and each company verified the dates and amounts paid to my original loan company. Unfortunately because the account was sold during this process, my original loan company has no further information and said that the new company would be able to verify everything but was not able to. I spoke to several representatives who placed me on several holds for long periods to speak to managers since they didn't have information about the account being placed into collections, payments received, and was even hung up on while waiting for resolution. They did offer me a settlement, but that will not help out with the damage to my credit after trying so hard to repair it from a divorce. To reduce conflicts and because I was afraid that interests and late fees would apply, I continued to make a payment in XX/XX/2018. They said that once they received the account, it was already a charge-off / in collections. How is this possible when I made payments while waiting for the insurance company to send their settlement check and my GAP coverage to send theirs? Again, the company is unable to give me answers and only offered settlements for the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
1 ) Equifax is reporting inaccurate account information from XX/XX/XXXX which is causing my score to be significantly lower than it should be. It shows last reported date as XX/XX/XXXX with a {$1000.00} balance and current, it is XX/XX/XXXX. Last report by my credit Union was on XX/XX/XXXX  and showed a balance of {$0.00}.

2 ) I can not submit a complaint with Equifax because they refuse to update my address back to my XXXX XXXX XXXX. I have had all of my personal sensitive information sent to my XXXX XXXX   after my second identity theft incident in mid XX/XX/XXXX. Equifax continues to arbitrarily update my address based on inquires when I have expressed that the mailing address should never change to ensure I am not a victim of identity theft again or via a formal written request submitted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 due to Unauthorized and Fraud alert already on my report sine two month ago and i already contact them

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 2018-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI

Complaint narrative:
The company reports that they hired a private investigator to contact me. This PI contacted 3 of my family members at their place of employment. The PI disclosed that I was being sued for debt and demanded that they provide her with personal, identifying information. She called my brother-in-law, a XXXX for a police department, 6 times on his work cell phone. He was obligated to answer as he thought these calls were work related. These calls were inappropriate and interfered with his ability to perform his work duties. These calls also placed him at risk during an already risky occupation. The woman was harassing multiple family members by calling them at least three times while they were at work. She also called my terminally ill parent and scared them. Over 25 calls were made within a three hour window on XX/XX/18. I called the company to file a formal complaint and the first woman hung up on me ; I called back and a gentleman said they can not do that. They would not release the information of this woman ( PI ) and they would not allow me to speak with someone in charge. Additionally, they did not have valid or updated information which was why they were unable to contact me. This company uses fear tactics, harassment, and shame to pressure people into releasing personal information. Their tactics are harmful to people who are already in an unstable situation. Please note that when I was actually contacted and made aware, this debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX ( # XXXX Manager is name XXXX ) phone # XXXX email : XXXX I am writing to formally complain about XXXX XXXX XXXX the third party outsourcing company. I have tried since XX/XX/2017 to cancel my monthly membership service to which I have not been able to log into since XXXX. I have tried for months to speak with a representative to cancel the services and each time a customer service rep blatantly hangs up the phone. I have been charged for months for a service that I can not use and/or log into. And have called to ask on several occasions to have it canceled only to no avail. The customer service representative have the competency of a first grader. They are taking my money each month for a service they have not rendered. I have spoken with an attorney about my legitmate concern to sue with regards to my complaint. In a era with so many security breaches that Experian and XXXX have had recently I am appalled that they continue to use a third part company with a deplorable reputation. 

I do plan to take legal action.

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 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
I switched cell phone companies from XXXX to XXXX and they told me that if I switch they would pay off what ever I owe to XXXX. I'm not sure if this agreement was fulfilled by XXXX. I have not received any notifications from XXXX stating that this wasn't paid and they didn't tell me that this was going against my credit. Now I have a derogatory mark on my credit XXXX   {$640.00} profile because of this problem. My XXXX report is showing no Derogatory Marks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Prosper Marketplace, Inc.
State: NC

Complaint narrative:
I was searching through XXXX XXXX for some personal loans just looking, when I received a email around XXXX about a credit inquiry concerning my credit report from these lenders XXXX  & XXXX, I did not authorize them too pull my credit. They ran my credit at XXXX on XX/XX/18, please dispute 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 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
XX/XX/2017 applied for a new American Express gold card and was told I would receive 0 % interest on all purchases for 1 year as well as up to XXXX XXXX bonus points on purchases made in the first 3 months. 


In XX/XX/XXXX, when I realized I was not receiving bonus points or 0 % interest I called and they opened a complaints ( XXXX ) and said they would get back to me. Name was XXXX and he said I would have a response in a few weeks. Never received a response back. Called again on XX/XX/XXXX and again was told that we were valued clients ( my husband  has been a cardholder for many years ) and I would receive a response by mid XX/XX/XXXX. Again, never received any response. 


Called again on XX/XX/XXXX and " XXXX '' a manager set up call back for XX/XX/XXXX at XXXX central time. Never received a call back. Called them at around XXXX and was told the " ID '' number XXXX XXXX gave me was not a valid " ID ''. Spoke to " XXXX '' " ID number XXXX who told me she would have her supervisor and a manager review and get back to me. Said she was not authorized to give me their names. No one called me back. 


Called again on XX/XX/XXXX and spoke to XXXX who transferred me to XXXX. XXXX assured me that I would have a response by Monday, XX/XX/XXXX. 


On XX/XX/XXXX, " XXXX '' called me back and said they had reviewed the " recording '' and they would not be honoring the 0 % interest or bonus XXXX points. I asked to have the recording send to me and he called me back and said I would have to have a subpoena. I then tried calling my phone carrier and they said they do not maintain copies of private conversations. 


For starters, I would never have charged that much and left it on the card if I was going to be charged interest. American Express records will show that we typically pay off our card every month. Since I first realized the issue in XX/XX/XXXX, and tried to get it resolved, an additional {$2000.00} in interest has accumulated. Over {$3000.00} total for the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called Ocwen, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. Ocwen has received my on time payments, since XX/XX/2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, Ocwen, kept me with a running 90 day late payment and has caused me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 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: SC

Complaint narrative:
XXXX XXXX XXXX from XXXX XXXX PayPal Credit XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I had a lease of a XXXX XXXX XXXX for 3 years and had just finished the lease payments on XX/XX/2018. 
On XX/XX/2018 I got a Lease Termination Invoice of {$580.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) referring of a Disposition Fee. 
My complain is that I bought an insurance specific for my lease and I returned the car in perfect condition. Also I had paid already {$37000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018 also referring of a Disposition Fee. 
After I call XXXX I found out that XXXX had a complain about the tail light lenses that I had put a decal to protect against any damage. Immediately I called XXXX ( the insurance company ) asking why the insurance company didn't take care of my situation. The answer that I had was that the XXXX XXXX was not responsible for any out of market parts. But there is a big misunderstood because I never change the tail light lenses. That is still the original part of the car that I returned in very good condition, in lower mileages and one month before the due date of the lease termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: GA

Complaint narrative:
They have SEVERAL addresses in Texas and I have NEVER EVER lived in Texas. They also have my ex-husband 's current address as MINE and again I HAVE NEVER LIVED THERE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 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: SC

Complaint narrative:
For ten years the same issues has occurred and Equifax hasn't paid one dime of restitution for the their error filled reporting, their failure to protect consumers, and their irresponsible reporting of others information on this consumer. This is creating personal as well as financial hardship that ought to be compensated. Through their insecurity of credit reporting information they have continually reported others information on my credit report, allow some person or entity to open up an account in my name without the benefit of their own social security number but reporting on my report. 

I demand these items be removed immediately Department of the Treasury account number XXXX, this account belongs to social security number as verified by this very entity ending in XXXX, not my social security number. 

In respect to reporting of an account stated as XXXX XXXX XXXX, this account was opened with social security number XXXX, not mine, which indicates a deliberate act from an address I don't live at, but still reported on my credit report. 

Im in the middle of getting a mortgage, and these irresponsible and inaccurate reporting is affecting my loan, I demand they removed immediately.

Company response to consumer: Closed with non-monetary relief