vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Recently, I became aware of some unresolved medical bills on my credit report from XXXX XXXX, regarding some unresolved medical bills on my credit report. I have been discussion with Bull City Financial about how to resolve the 8 accounts that they are reporting. Altogether, the 8 accounts that they are reporting total over {$2000.00}. I recently pooled together about {$750.00} to resolve three of the eight collection accounts that they are reporting. But when I called Bull City to pay the three accounts, they told me that they would not delete any of the collection accounts I paid, unless I paid all eight of them. Since each of these debts are a separate listing on my credit report, this made no sense whatsoever to me. What good does it do me to pay any of the collections if they are not going to delete them, after I pay them? Quite frankly, this is extortion. And I told the representative just that. If they are reporting eight accounts separately, I should be able to address them separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
XXXX, Transunion and XXXX  are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.

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 2020-12-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
XXXX, XXXX and Equifax are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lenderfi, Inc.
State: GA

Complaint narrative:
I have my mortgage with lenderfi. I have paid a few extra payments over the past few months. The companys ledger is very complicated and I could not reconcile their balance with mine although we all agreed on the payments I sent. The difference is roughly a few thousands. I asked for a transaction by transaction ledger which they failed to provide over the last two months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, I paid TD AutoFinance {$7500.00} to pay off my auto loan. On XX/XX/XXXX I made an errant {$5000.00} payment on the same loan. XXXX XXXX XXXX stepped in to recover the {$5000.00} and were successful in doing so. TD AutoFinance sent me the title and a refund check of {$4.00} because I overpaid. Since that time they properly reversed the {$5000.00} payment on my account but also errantly reversed the {$7500.00} payment and only applied {$2500.00}. I have been on the phone with them a dozen times and have received multiple phone calls and lately have received letters stating they will report me to credit bureaus and have the right to repossess my vehicle. I have also sent 2 letters to their complaints department with no response. They refuse to get on the phone with XXXX XXXX XXXX to resolve this issue. They will not send me record of the all of the phone calls I've made or the phone calls they've made to me. This loan was paid off in full yet they will not clear the account. My most recent attempts once again to address this issue began again on XX/XX/XXXX with a supervisor XXXX XXXX who said the issue was obvious and it would be resolved. It was not. I then spoke again on XXXX requesting supervisor call back with no response. I called on XXXX requesting a supervisor call back with no response. On XX/XX/XXXX I spoke to rep XXXX who said the cashiering department would call me back with no response. I called on XX/XX/XXXX and spoke to a rep and then tried to conference XXXX XXXX XXXX and she hung up. I called back and spoke to a new rep who said a supervisor XXXX XXXX would call be back within 24-48 hours. This has gone on long enough with countless hours of wasted time. I paid off this loan and at this point I consider TD AutoFinance behavior to be harassment. I am providing my bank statements and my TD AutoFinance running balance which shows how they errantly misapplied my payment. It shows the {$5000.00} being returned on the errant {$5000.00} payment and also shows the {$750000.00} not being fully applied. XXXX XXXX XXXX is more than happy to assist through their claims department ( XXXX ) as they can show my funds were sent and no longer in my account. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been trying to dispute this account with the 3 credit reporting agencies for the last 2 years. I reached out to the company reporting the debt XXXX and I requested proof of debt verification. XXXX sent me a letter and a contract about the purchase of a cell phone under a XXXX account that was signed for by another person. The account is showing under my name but it was not a transaction that I authorized and it is not my signature on the document. This entire situation penalizing me for fraudulent activity and is making it hard for me to get my approval for my first home.

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 2020-12-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had a federal XXXX student loan go into default as I missed seven payments, when I was away for a XXXX XXXX that I thought I had organized all of my payments before I left in XXXX. The late payments are reported on the balance history as is the status of it going to collections. When talking to the lender ; even though it did go into default, it never went to collections. The collections coordinator ( XXXX XXXX ) of the university ( XXXX University ) had explained that even though it was reported as an accelerated account to her by the student billing service ( XXXX  XXXX  ), she did not place it into collections as she explained to me in an email that, " I do not immediately place accelerated accounts in collections ; I hold off for approximately 30 days in hopes that we can still settle the account. As was the case in your situation. '' It was reported under collections in XX/XX/XXXXXXXX and back in XXXX/XXXX of XXXX as well. When it was reported under collections this past late summer, that is when my credit score took a hit. After making disputes against this with Experian and the loan billing servicer, the collection reporting under the balance history was only pushed right to XXXX/XXXX XXXX, still being reported in XX/XX/XXXX as well. It now shows " No-data '' from XX/XX/XXXX to XX/XX/XXXX. When I immediately found out about this loan, I had paid it all off in XX/XX/XXXX. I have paperwork from the university and billing service company that states I am good status and was paid off in XX/XX/XXXX. I disputed multiple times with Experian both online and over the phone while also supplying the correct paperwork these past two months, and it shows it being " updated '' but no information has been changed in terms of the removing of it being reported as " collection ''. If there is more information that is needed or supporting documents, I would be more than happy to supply them, but I just do not understand why Experian can not change the incorrect information that I explained to them with proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 I used my edd debit card through BofA on XXXX to get a room. {$130.00}. XXXX The hotel was closed so XXXX  cancelled the transaction and it went into a pending mode until it processed back in my account. Here I am XXXX/XXXX/20 and I have yet to receive the money even though XXXX  confirms they did their part. After a total of 7 hrs on the phone with claims I got no answers and no money even tough they claim to have it in their system. BOfA is stole my money and I demand answers. I'm broke nobody is doing anything to stop them. XXXX XXXX is my name and account is XXXX XXXX XXXX XXXX. XXXX does nothing to help and the people should rebel against this XXXX. We need answers.

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 2020-12-12 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: MO

Complaint narrative:
Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX  XXXX  {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: MO

Complaint narrative:
Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX XXXX {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12 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: Grant Mercantile Agency
State: CA

Complaint narrative:
GRANT MERCANTILE AGE Original creditor : XXXX-XXXX  XXXX  Contact XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Account Info Account number # # # # # # # # Collection opened XX/XX/XXXX Account type Collection Department / Agency / XXXX XXXX  on XX/XX/XXXX {$4100.00} Paid off : 0 % Original loan amount {$3100.00} Current Balance {$4100.00} Additional info Comments Account information disputed by consumer Your statements I have never heard of the XXXX  company or have ever been in an XXXX. 
I have never received a bill or any correspondence of any type from either original creditor : XXXX XXXX or collection agency GRANT MERCANTILE AGENCY. 

The first time I heard of either was when I checked my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have nothing but problems with Santander Consumer USA Inc. Time And again, they continue to fail to properly manage the servicing of my vehicle loan, something that its not NEW as this company has been sued by the Attorney General 's of over 30+ states in the nation. It is obvious that they aren't doing there job correctly, they continue to XXXX at us who unknowingly were placed with this scrupulous company for our auto loan. Honestly had i been let aware that this company was going to be funding/servicing my loan with the history they have I would of said NO way JOSE. Anyways the company had the wrong information as far as my " bank '' so i cancelled the scheduled payment and manually enter a new payment, I did so to assure that they wouldn't try to request payment from XXXX XXXX XXXX  ( XXXX ) which was my old bank account.. so then I would be late, default etc.. so I wouldn't have to incur negative marks or additional fees i change the form with the correct account information. Now they failed to cancel the " scheduled '' payment which the system said was cancelled or else why even give me the option to cancel.. So a couple of days later I see my account is overdrawn, why? they submitted both payments to my bank.. Now I wasnt able to properly pay my rent and other bills as my account had been over drawn .. I called and their executive team tells me that their system didn't cancel my previous scheduled payment etc .. and although this created yet another unforeseen extremely difficult financial situation for me, I had to endure it and pretty much shut up.. I was told that their payment system would be re submitting the payment one more time, I suspected this would happen the next day etc.. NO it happened 11 days later on XX/XX/2020 i see that my bank account again is overdrawn and that they re submitted the payment.. why 11 days later? I have my insurance to pay and other payments that automatically de-ducted from my bank account .. No i dont know if my bank is going to pay my other bills or decline them leading to other penalties and fees again to be blamed on the mismanagement of Santander Consumer. Nothing I have nothing ... I can't even use my account or pay other bills even though my car payment was paid fully on time .. why do they continue to create so many problems on me? even their degusting APR is a joke, that I didn't even know i was paying as my Dealer wasn't upfront about this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
For weeks my ReliaCard has been locked due to a change of address. The address that I chanted it to is the address on my state issued I.D and has been my address for the last 4 years!!!! When I applied for unemployment 2 months ago my wife and I were currently separated and I was then staying at my moms. I have uploaded a picture of my I.D and social. It is now the XXXX of the month and I have no money to pay my bills. I have a family to feed and I am lost! Please help

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 2020-11-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I Closed on my house almost 2 months ago XX/XX/XXXX. I had to pay my taxes at closing for the year, Approx {$6000.00}. Two weeks before I closed, SHELLPOIN MORTGAGE SERVICING also sent a check on my behalf to pay my taxes through my Escrow account. So essentially I double paid, except the county never cashed the mortgage companies check. So I called over a month ago to let them know that it wasn't cashed and if they can cancel their check and refund my money. They said they would put in a request. I called back today XX/XX/XXXX and they said they would need proof from XXXX County Ga that their check was never cashed. I asked how that was possible and they couldn't respond. I again asked them to cancel the check and they said they are not that department, that I could not speak to that division, and they would leave a note in the account. At this point they are refusing to refund my Escrow money and I need help getting it back. 
Thank You, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Palisades Funding Corporation
State: NY

Complaint narrative:
i and my sister bought the car on XX/XX/XXXX from XXXX XXXX XXXX our loan company was paleside .. we XXXX dollar down payment and one monthe car payment XXXX dollar upfront total XXXX. from that date we never missi payment until this month we were 10 days late but the loan company reposes my car and illegally asking me more money and another six month payment in advance and so many hidden fee.. i try to contract but they denied said boss or owner its not there.. we become so helpless and they didnt say any thing to us. kow they are saying they dont have any grace period.. they already harasing us verbally and socially

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Account Services, Inc.
State: IA

Complaint narrative:
I went to XXXX  XXXX University and have a small loan that is dealt with by XXXX  XXXX XXXX. I paid off the loan early - I believe my final payment was mid XXXX. I paid the balance on the loan per what XXXX had on their website. I logged on to the same website about a week later and saw I had overpaid by a little over {$9.00}. I had not received any further information from XXXX so I called them on XX/XX/XXXX regarding the refund. They advised that I had overpaid but they couldn't refund me anything under {$25.00}. 
XXXX  submitted a request to XXXX for a refund of the {$9.00}. Today ( XX/XX/XXXX ) XXXX  informed me XXXX is refusing to refund me the money I overpaid. I have contacted the XXXX financial office with no reply. I believe they should refund me my money since this appears to be an error with XXXX. Again I paid the balance of my loan per what their website said I owed the day I paid off the loan yet they've advised me I somehow overpaid. If their balance was correct then I wouldn't have overpaid.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
My XXXX debit card was compromised in early XX/XX/XXXX I didn't notice since whoever was using it was making small incremental charges. I notified XXXX XXXX since that is where those charges originated and they confirmed someone by the name of XXXX was using my debit card through their account. That said around that same time a JEFFERSON CAPITAL SYST for the amount of {$240.00} on behalf of XXXX XXXX showed up on my credit report as delinquent. I have had the same XXXX XXXX account and phone number since XXXX and I am up to date on all of those charges. I don't know if the two are related but it is interesting timing. 

That said I wish to dispute this claim as it is the only negative blemish on my credit score.

Company response to consumer: Closed with explanation