vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: IN

Complaint narrative:
Our loan was sold by XXXX to PHH Mortgage Services. The incompetence of PHH was obvious at the outset so we immediately paid the loan off in full to separate ourselves from this company as quickly as possible before our excellent credit was damaged by their incompetence. That payoff was made and acknowledged by PHH on XX/XX/2019. The payoff resulted in a refund due to us of {$500.00}, comprised of {$310.00} in a property tax impound balance and {$180.00} in overpayment of the payoff balance. When no refund of funds due was made to us an inquiry was made made to PHH via phone. We were advised by XXXX of PHH on XX/XX/2019 that the refund should have been made within ten days of the XX/XX/XXXX payoff. XXXX indicated that she would submit an inquiry as to the status of the refund. On XX/XX/XXXX I called a PHH again to inquire as to the status and was told by XXXX that all refunds are issued within 15 working days of payoff and the check was mailed on Friday XX/XX/XXXX. On XX/XX/XXXX we called a third time to verify the information provided by XXXX the day before. During the course of that call we were informed by XXXX that the check was mailed on XXXX of XXXX. It is now six days later and we still have received no refund from PHH of the funds due to us, nor have we received any written verification of the loan payoff. The story line continues to change, PHH continues to change dates to suit their story line and we still have not been refunded the funds due to us. It appears that PHH is either severely incompetent, they are liars or worse yet, they are committing fraud, theft and conversion of funds to which legally they have no right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/19 - XX/XX/19 Specific dealership - XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX, AL. 

While researching trucks, XXXX XXXX 's XXXX had the truck that I had been looking for. I called and was greeted by the internet sales manager (  XXXX ). I informed the manager of my budget and the importance of staying beneath {$400.00} a month. The internet sales manager reassured me that this was feasible with no money down, and no trade in required. I was reassured that this was the case whether I leased the vehicle, or purchased it. I was informed that they hadn't met their sales quota for the month, and were 12 vehicles short. I was also advised that the finance manager would do whatever is needed to make the truck fit into my budget due to the dealerships numbers for the month. Examples were given that the dealership had special coupons to discount the vehicle even more. During the conversation I was reassured this was a forsure thing. I submitted my loan app online to reduce time at the dealership. 

The internet sales manager followed up with me prior to me leaving my house and advised that due to me and my family driving from a different city/state to purchase the vehicle it would be in the price range I needed to be. I was advised to ask for the assistant manager XXXX upon my arrival. My wife and I rushed to get our XXXX kids ready and arrived before closing. 

A sales rep ( XXXX ) greeted me outside and walked me to his desk. I informed the rep that I already had a deal booked and only needed to speak with XXXX. The rep stated he was brought up to speed and would be assisting. From there a paper app was recorded, even though I had already submitted one electronically. The sales rep pulled the vehicle around and allowed me to test drive. Once we returned the sales rep stated the best they could do is {$620.00} a month. I educated the rep that the deal was already set, and the monthly payments would be less than {$400.00}. He went back and spoke with the finance manager who now requested to purchase a vehicle that I had no plans on trading in. Even with the trade in allowance that I was told wouldn't be needed, the monthly payment was still higher then what was originally agreed to. The offer was declined but the sales rep asked for me to give him to noon tomorrow to try and work the deal. My family and I left and drove back to our city/state. 

The next day came and I was forced to follow up with the dealership myself. I was informed that the closest they could get to my previous quote was XXXX on a lease with more than 2k for a down payment. The offer was declined and I informed the sales rep that I will be leaving feedback from my experience. 

Transparency was key, and not present during this transaction. Had I known this wasn't an option, I wouldn't have ran my credit, nor would I have driven my family to a different city/state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I changed my legal name in my local circuit court on XX/XX/2019. Then changed with SSA and Virginia DMV. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I changed my legal name in my local circuit court on XXXX. Then changed with XXXX and Virginia XXXX. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?

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 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2019 a funds transfer credit XXXX XXXX in the amount of {$6200.00} was transferred to another account as instructed by the representative and a decline of all future transactions was placed on the prior account, which was closed on the same day to avoid any further charges. ; the account was closed and the representative placed a decline of all transactions on this particular account of 35 years. Representatives on both sides walked me through the procedures and assured me that there would be no more problems ; get a new machine, new ID and this machine would be protected. The old machine was cancelled from the account. a new account ID was suppose to be applied to the to avoid any future hacking ( hacking was verified by the merchant security department ) that could offer more security services so that transactions could be monitored. we purchased another machine which was recommended by the sales representative, received training on the new credit card machine which gave many options to protect the ministry. I provided the company the new bank account information ; three weeks ago so that in according to the representative, this would allow full use of the new machine ; I was told that the new account was in no wise to be touched by any means/ as it was in no wise connected to this account due to the old account closing. On XX/XX/2019, the new account received chargebacks in the amount of {$33000.00}, no notification, bounced checks $ XXXX overdraft. I contacted the bank who stated they had nothing to do with it ( even though the transaction reads Bofa ) they referred me to the merchant who informed me that they had sent paperwork regarding the charge backs because they were not able to identify where they came from and could not take the loss. They would contact me 3 to four business days to discuss their motives for leaving us without any money in the account.

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 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have an account from XXXX XXXX XXXX XXXX # XXXX that's still on my credit report that I paid off in XX/XX/2017. I would like this account removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr. Cooper formally known as Nationstar Mortgage is at it again. Mr Cooper is engaging in delaying tactics, giving me and my Sale Agent the run around, asking for the same documents over and over again, playing hardball which Mr. Cooper engaged in during my request for my Loan Modification in XXXX which lasted for 10 years and was never modified. In addition to the XXXX games that Mr. Cooper has engaged in above, is now adding another leaf of delaying tactics to the Short Sale Mr. Cooper approved off, and scheduled for Auction Sale in XX/XX/XXXX to XXXX, XXXX. We are now at the last stage, the Closing Process of the Short Sale, and Mr. Cooper is now dictating, and shying away from its officially mandated responsibilities. Mr. Cooper is telling me and my Sale Agent,  cheering picking which amounts they will approve for payment. Besides, Mr. Cooper is backing away from the original Terms for the Short Sale Program, " The Offer Validation Program '' agreed upon by both parties when the Short Sale initially began. Mr. Cooper is coming up with another " Terms '' that will benefit Mr. Cooper. Dealing with Mr. Cooper for 10 years I have learned to know that Mr. Cooper lies and Cheat. Mr. Cooper should move fast so that we can move on to the last stage of the Short Sale process ; that is the Closing Process, instead of playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Re : Account/Credit Card/Reference Number : XXXX Portfolio Recovery Associates in his private capacity Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: FL

Complaint narrative:
These fraudulent account are reporting on my credit report. 

XXXX XXXX {$14000.00} XXXX CARD {$2600.00} XXXX XXXX {$420.00} XXXX  XXXX {$1000.00} XXXX CARD {$4400.00} THE 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 non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Credit Collections Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX claims issued a debt to me in the amount of {$1000.00} for unpaid taxes and fees for XXXX for the XXXX XXXX XXXX XXXX and the Township of XXXX XXXX. I was not a resident in XXXX and thus, I do not qualify for taxation in XXXX. This is an invalid debt which they claim I owe. I moved to the area in mid XXXX. 

I believe they are attempting to collect more than they are due. There should be a penalty for these false positive attempts ( and unverified ) and they could trick many consumers.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/2019. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: Charleston Area Medical Center
State: NJ

Complaint narrative:
XXXX XXXX XXXX certified to XXXX a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. XXXX and XXXX are allowing them to do it.

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 2019-04-27 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: FL

Complaint narrative:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX {$13000.00} XXXX XXXX {$2600.00} XXXX XXXX {$420.00} XXXX XXXX {$1000.00} XXXX XXXX {$4400.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Received notice of debt owed to a towing company called XXXX XXXX XXXX XXXX. No prior communication of any debt had been received until this notice of collection from Lien Enforcement Inc. I do not own a car that has been towed. Lien Enforcement Inc. asked for identifying information and already reported to credit bureau harming my credit, despite letter saying I had 30 days from date of letter ( XX/XX/XXXX ) before they would do so. I am disputing the debt, as I have never received any notification prior to this of any debt owed and do not understand what this is for. I feel they are using unfair practice in harming my credit without allowing me time to dispute and prove this debt is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I have an account on my credit from AFNI # XXXX in the amount of {$260.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have an account on my credit from XXXX # XXXX in the amount of {$1400.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit 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 2019-04-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX certified to XXXX  a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. TransUnion and XXXX are allowing them to do it.

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 2019-04-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX certified to experian a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. XXXX and Experian are allowing them to do it.

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 2019-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have an account on my credit from XXXX # XXXX in the amount of {$970.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit 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 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX or XXXX, XXXX I left an apartment complex. I filed out paperwork in the leasing office, and both my ex and I signed and paid to have me released from the lease. We gota divorce and our debts were then declared our own. In summer, I believe XXXX, of XXXX I noticed a new debt on my credit report from the apartment. It was for {$880.00}. I called the apartment and explained to them the problem, and the apartment number they had the debt for I never even lived in. Yhey claimed to have switched mangement and were no longer able to find my paperwork getting me off the lease, but called the debtors to correct the apartment number. I offered to show proof that I had left the apartment in XXXX of XXXX after only signing a lease in XXXX of XXXX. I was told both times I called that they would fix it. They have not. I called the creditor in XXXX as well, they refused to even hear me, they refused to accept my proof that I had left. And when I told them my divorce states that my exes debts are theirs, they refused to take me off the debts. Holding me responsible for debts that don't belong to me. I have since had the report removed from my XXXX XXXX account and just from that my score is 100 pts higher than it is on XXXX  because of this false debt. The complex are frauds, and so are the debt collectors. The collectors call me now three times a day from two different phone numbers to collect a debt that never belonged to me in the first place. They said they would email me with a response to my claim that the debt doesn't belong to me, that was before the new year. I haven't heard anything back, but I keep getting phone calls and my credit remains stagnant with their false reporting.

Company response to consumer: Closed with explanation