vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Common wealth financial @ XXXX XXXX XXXX XXXX XXXX, PA XXXX, phone number ( XXXX ) XXXX. 
has called me several times and hangs up on me when I ask them to send me a copy of the contract signed where the account belongs to me, and they refuse to send it to me and to remove the negative file even though I have requested a dispute from XXXX, they consistently and illegally Harrass me on my cell phone and try to collect a debt that does not believe my to me. Please contact me for any questions. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL

Complaint narrative:
I Received A Letter From XXXX XXXX XXXX, Dated XX/XX/XXXX ... Stating My Account Has Been Assigned To Professional Bueau Of Collections Of Maryland, Inc ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report ... .On XX/XX/XXXX, They Had Added This Account To My Credit Report. I Have Never Had An Account With These Collection Agencies ... ..XXXX XXXX XXXX Or Professional Bureau Of Collections Of Maryland , Inc ... .The Account They Are Noting Was Lasted Reported In XX/XX/XXXX And They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I attempted to reach out to Midland Credit Management to settle a debt that is in collection. The debt is originally from XXXX and was charged off by XXXX at {$3500.00}. MCM is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to MCM. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had filed for chapter XXXX Bankruptcy Discharged Date Filed XX/XX/20011. I have just started to build my credit back up with my first credit card from XXXX. I am up to date on all my payments and had ask for a credit increase. The Bank ( XXXX XXXX ) which got a credit report from Transunion consumer relations which had false information on the report. They put on the report that I had Serious Delinquency, and Public or collection filed, too few accounts currently paid as agreed, Lack of recent installments loan information, too many accounts with balances.And it said number of inquires was a factor in score. XXXX score. 
All of which is false information..I called Transunion and they would not send correct information to XXXX XXXX which denied my credit increase. My record should be clean after my Bankruptcy.. Please make them send correct information to XXXX XXXX. I only have one credit card and that 's with 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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
XXXX XXXX, XXXX Dear FTC, Many months ago my lease with Ally Financial was coming to an end. I had never been late or missed a payment. And when they sent me my ending the lease package I examined it and read it carefully. They had a little circular piece of cardboard showing the size of damage for which they would not charge. I was supposed to hold this cardboard over the ding and if I could not see it there would be no damage charge. 
When I turned my car in to the dealership and leased my new car there was only one small ding which was of concern. I held the circular piece of cardboard over the ding and did not see it, thus there would be no charge.

When my final bill came it had some personal property tax, and two different areas of damage. The one was described above which fell into the companies own consideration of what would not be charged for and the other damage was something I was not aware of as it was not there when my car was inspected at the dealer, it must have happened during delivery or at the auction, which happens all the time. 
When I called Ally they insisted it was all legitimate and I owed the money. I accessed pictures they took which showed the small ding I described above. The other damage was something that was not on the car when I dropped it off at the dealer and in the picture you can hardly see anything. Neither picture was clear enough to see anything substantial. I challenged the damage and they called me back stating I owed it. Then I started to receive phone call after phone call. Every day and night and weekends. I received one call at XXXX on a Saturday morning and one at XXXX on a Sunday night. Both legal but definitely harassment although legal. I explained my position and the company continued to harass me. 
I then sent a check for the personal property tax owed noting in the memo section PAID IN FULL FOR ACCOUNT NUMBER # # # # # # # and they cashed it. This is a written contract and they accepted it by cashing the check. Still after, they continued to call and harass me and now this week they sent this to a collection agency. 
This account has been PAID IN FULL proven by their acceptance of my check which stated the same, and also there was no damage I was supposed to pay per their own policies and procedures. 
Now they are threatening to ruin mine and my wifes credit. I intend to proceed with a law suit to get this remedied if this complaint does not handle everything. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC. XXXX XXXX XXXX XXXX PS. For XXXX XXXXXXXX XXXX I challenge the validity of this debt per the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: AZ

Complaint narrative:
Received letter dated XX/XX/17 from Vengroff Williams , Inc. stating we owe {$430.00} for a credit card charge back for their client XXXX. We have never had a XXXX credit account. Letter stated it was a second attempt. Never received first notice. We believe this is fishing, fraud, scam or identity theft related. We tried to call company but can not reach someone live and are concerned about fraud and leaving information on voice mail. Account number listed is XXXX, reference number XXXX. Letter is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Prior to buying my house on XXXX, XXXX, 2013, my rate was locked in at 3.80 % with Wells Fargo. I bought a XXXX XXXX XXXX XXXX home, and only needed to put 3 % down. With all said and done, I ended up walking away with {$890.00} at closing for credits and other items. 

As my closing date got closer the mortgage agent kept increasing the rate because of numerous reserve requirements and fees. One increase for .125 % was for a reserve requirement that was supposedly short by {$110.00} that they would cover and increase my mortgage rate. I asked if I could go cash my change in at the bank and deposit it to cover it, and he said no as he needed a monthly statement showing the amount and would not have time for next months statement before closing. Incidentally, .125 % at the original {$160000.00} mortgage for just one year is {$200.00} in interest. There were a few other reasons, but at the moment do not remember all of them. Nonetheless, I felt pressured into saying yes to the increases or I would not get the loan. At closing the interest rate was now 4.25 % with all the extras he " had '' to add on.

Then, when closing day came around, the agent and the underwriter were both hard to get a hold of, and we had to push closing back two different times. Finally, on the 3rd try, we signed and reviewed the papers in 30 minutes, as Wells Fargo notified us at XXXX that the papers were finally ready, which left little time to get the lawyer and title company sufficiently ready. It gave me little time to double check my mortgage or even question anything. As a first time home buyer, I felt as if I was taken advantage of. 
With all said and done, I ended up walking away with {$890.00} at closing for credits and so forth, which made the interest rate increase seem even more suspicious. The whole process seemed somewhat abnormal, and feels like it was predatory lending now.

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 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I have received a response from XXXX XXXX on behalf of Selene Finance dated XXXX XXXX, XXXX stating that they are not able to respond to the complaint with furthermore reference of, yet another company, XXXX, who initiated collections on the account. 

Upon communications and multiple open complaints lodged against XXXX XXXX XXXX, XXXX has failed to provide a subsequent response as of XXXX XXXX, XXXX. 

Furthermore, XXXX XXXX XXXX XXXX has stated that they required an extension of 60 days to respond. The extension has expired. XXXX failed to respond as of XXXX XXXX, XXXX despite of the fact that the necessary documentation was submitted. 

If Selene Finance has become an official representation of XXXX XXXX  XXXX, they have to reference any and all open complaints and documentation and provide an immediate response. 

Additionally, Selene Finance is to specify their relationship and affiliation to XXXX XXXX XXXX as to which they referenced in their response Paragraph 3 line 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have several credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX XXXX XXXX  XXXX, XXXX, ri, XXXX XXXX XXXX XXXX, XXXX, oh, XXXX XXXX XXXX, XXXX, texas, XXXX 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 2017-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
XXXX of XXXX I contacted Navient to enter a income based repayment program based on financial hardship and not being able to make the full amount due each month. On XXXX XXXX XXXX I emailed the requested bank statements and proof of income. On this day I was told my information was received and the monthly repayment amount of {$290.00} was agreed upon. I agreeed to have this amount automatically deducted from my personal checking account starting on XXXX/XXXX/XXXX. I was told that the submitted documents would be reviewed and if the amount was not approved I would receive a call back. Since XXXX/XXXX/XXXX. Payments have been deducted from checking account in XXXX, XXXX and XXXX. On XXXX/XXXX/XXXX I started receiving phone calls every hour regarding my private loans. I spoke with a representative on XXXX and was told my paperwork was never approved because my bank statements and pay stubs were not received. Even though payments had been made. I resent the email containing the requested information sent on XXXX/XXXX/XXXX. And noted I never received communication telling me this was the case. On XXXX/XXXX/XXXX I spoke with a manager in the department that explained my paper work had to be reviewed and approved and the amount I agreed to pay ( which had been paid for the past three months ) may now be denied and the rate could change. This has now been reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
( Upon communicating with CFPB over the phone regarding initial claim # XXXX, was advised to open the new one due to dishonest and misleading response of Hyundai Motor Finance ). 

1. Company states the vehicle was retuned late on XX/XX/XXXX. This is a lie - it was returned early prior to the maturity date. Returned promptly on XX/XX/XXXX. The proof is attached ( receipt by the official dealer as well as date/time stamped photos in the lot ). 
2. Company states that it sent multiple letters due to vehicle not being returned. Two lies! First, returned early. Second, none of the letters were received. 
3. Company states that it made attempts to notify me of {$420.00} balance due during XXXX. This is actually true. HOWEVER, my first letter with {$420.00} payment was mailed on end of XXXX. It, for some unknown reason, did not make it to Hyundai and was never posted. I was then out of country due to family emergency and did not receive XXXX mail. Upon return on XXXX, attempted to send {$420.00} electronically. Hyundai rejected the payment ( see attached ). Finally, made payment on XX/XX/XXXX. 
Numerous payment attempts!! 
4. Company states that I made 7 complaints to various agencies. Lie! I made 2 so far ( BBB and CFPB ). Prior to that I attempted to resolve with the company directly on countless occasions. I was not treated with respect. No respect and courtesy were given to 7 years loyal client with outstanding payment history. 
5. If company denies again, complaints will be filed with FTC, Attorney General, etc. Additionally, numerous complains will be posted around the World Wide Web.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Meyer & Njus, P.A.
State: MI

Complaint narrative:
XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.

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 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a credit card account ( Chase Sapphire Reserve ) in XXXX XXXX with Chase bank. On XX/XX/XXXX I called to request the bank waive my annual fee pursuant to the Military Lending Act that went into effect on XX/XX/XXXX as an XXXX military member. They refused to do so unless they were forced to through a credit bureau review initiated by me closing and opening a new account or opening a new card on that account. Their request to have me open a new account in order for them to comply with a law represents undue financial obligation and credit score impact when they should simply comply with the law and apply it to my account to waive the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I refinanced my loan with Capital ONE mortgage in XXXX. At the time of refinance I was asked to open an Escrow account for my insurance and property tax deposit with the option of closing the Escrow account in a few months. However, when I called Capital ONE to close my escrow account last year, I was told that Capital ONE requires me to have loan for atleast 1 year to close Escrow account. 

I called up Capital ONE customer care after 1 year on XXXX XXXX, XXXX and now I am told that Capital ONE requires me to have the loan for 2 years to close escrow account. When I questioned the Capital ONE representative about this policy change for existing customers, I was told that there is a new federal policy that requires me to have loan for 2 years to close escrow account. However, I did n't find any changes to federal policy for closing escrow account. 
Additionally, When I requested Capital ONE representative to share a written federal policy with me, I was told that it is an internal policy and they do n't have a written documentation for this policy change. 

I need your help to close my escrow account with Capital ONE. Due to following reasons, I feel there are some malpractices going on in capital one to cheat customers and push them to have escrow account with Capital ONE. 

1. For existing loan accounts Capital ONE ca n't change Escrow account closure rule to have loan account from couple of months to 1 year and then to 2 years rule. Any policy change should be applicable for new loans. It ca n't be retroactive. 
2. Despite of repeated requests, Capital ONE is not providing a written documentation of this policy. This is a big red flag to me. Bank should provide any policy changes in written. 
3. Capital ONE representatives are misguiding customers by referring to changes in Federal policy for escrow account closure. As I said earlier, I did n't find any federal policy change for escrow account. 

I would request you to take up this matter with Capital ONE to save interest of millions of mortgage customers of Capital ONE.

Company response to consumer: Closed with explanation