vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service
State: NC

Complaint narrative:
I am a veteranXXXXgovt employee working in XXXX XXXX XXXX   Hospital XXXX XXXX. I do not have responsibilities for any bills. The VA is my insurance company. The City of XXXX XXXX sent my bills to XXXX XXXX XXXX XXXX XXXX Fee Basis   sent invoice for my bill for payment To XXXX Texas XXXX for date of service of XX/XX/XXXX. The confirmed electronic check # XXXX XX/XX/XXXX was sent to City of XXXX XXXX. My file had XXXX Balance. No account was ever sent to collections for any reason. ( Confirmed ) The City of XXXX XXXX started outsourcing billing XX/XX/XXXX according to my research. 
I received this information from agents still working with files before XX/XX/XXXX. I have been working on improving my credit score since my illnesses. I checked my report and this collection has been on my report since XX/XX/XXXX. 
I am very very disappointed and upset. The information is incorrect & should not be there. I did not receive any notice. Im concerned there have been more files in collections being billed twice through Dept of Veterans Affairs. 
I have tried giving all this information to CLARK COUNTY COLLECTIONS AGENCY   without resolution. I would like my score to be returned back and this to be remove from my credit report. I would like an audit of files sent to the from City of  XXXX XXXX about Dept of Veterans Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Medicredit INC has reported debt on my credit report without prior notification. 
I have sent two request by United States Postal Service to request proof this debt belongs to me and also prove Medicredit is authorized to collect on this supposed debt. 
I have received no response. I am not aware of the amount of {$1900.00} being owed by me until my credit report notification of collections account nor have anyone sent me a bill to formally prove this is my debt.

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 2019-05-28 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I had a Second Mortgage with Ocwen Home Loans. In XXXX I fell behind, not making payments in XXXX, XXXX, XXXX, XXXX., XXXX.,  XXXX. & XXXX. In XX/XX/XXXX I received a call from XXXX XXXX saying that the account had gone into collections. They wanted to know if I could settle the account, of course I didn't have the means. We agreed to a 2 year automatic bank draft commitment. The first payment in XXXX was for {$840.00} ; XXXX {$280.00} ; XXXX {$280.00} starting in XXXX the payments would drop to the original monthly payment of {$150.00}. After the 2 years were up, I just continued allowing the payments to be withdrawn. In XX/XX/XXXX I contacted XXXX XXXX and stopped the monthly withdrawl because I felt Ocwen didnt report the past 4 years correctly. 

At the beginning of XXXX Ocwen reported to the credit bureau that the loan was charged off with a date of XX/XX/XXXX, so of course it appears I havent made any payments in over 4 years and the loan was recently charged off. I filed a dispute and they removed the charge off date as well as updated the balance on the loan but they added a closed date of XX/XX/XXXX. Hasnt this loan been closed since XX/XX/XXXX? 

My husbands credit report looks different than mine, his shows the payments for the last 4 years. These payments were made to XXXX XXXX who supposedly doesnt report to the credit bureau. If XXXX is a part of Ocwen how could they write off the loan? I made up the 6 month delinquent payments in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. I think there are a lot of unanswered questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I contacted XXXX XXXX TD Bank Mortgage XX/XX/19 asking for a copy of the stock lease and certificated. XX/XX/19 the bank supplied a copy which should have been identical to that of XXXX XXXX XXXX XXXX but had deleted the apartment number and added a stamp for assignment and transfer. 
I have asked TD Bank to supply a copy matching XXXX XXXX XXXX XXXX with the apartment number and they had replied that they have no such copy even in their vault. 
I would like the copy from TD Bank which must match that from XXXX XXXX XXXX XXXX. 
Should the bank be unable to supply these documents, I would like an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
I am an attorney in New York. On XX/XX/2019 my client 's email system was hacked and used to authorize the transfer of {$89000.00} into an account at SunTrust Bank. 
Within ten minutes of the wire being sent, we were able to detect the fraud and immediately had our financial institution reach out to SunTrust to report the fraud and place a hold on the account where the money was sent. 

Our financial institution followed ALL of SunTrust 's protocols inclusive of various versions of hold harmless agreements. We have been told that banks generally will have this rectified and the funds returned in a very short period of time. We know the funds were caught before being sent out and that SunTrust is holding the funds. 

It has been well over a month now. SunTrust not only has not yet returned the funds, but they continue to be non-responsive to both myself and our financial institution for weeks. We have calls in every single business day, emails as well, with no response and no courtesy of an update. 

We would like to know what our rights are here with regard to SunTrust and their failure to act professionally in handling this fraud that took place using one of their accounts. In the meantime, my client continues to be waiting for the return of his funds.

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 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear, Im XXXX old XXXX XXXX  civilian and credit card holder from Pentagon credit union since XX/XX/XXXX, after the merger the guidelines and term of disputes changed from 3 Busniss days to 30 days to assign someone to dispute and issue provisional credit and NOT deduct interest on the disputed amount and email affidavit for signing when I signed terms with Pentagon credit union in three business days and they must disclosed any changes and follow the grandfather clause. 
I filled dispute on XX/XX/XXXX, foot massage I just got letter that the dispute resolved in my favorite last weeks, 18 months.

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 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/XXXX I was checking my Discover Card statement I noticed two separate charges at XXXX that I did not purchase : XX/XX/XXXX XXXX STORE - # XXXX XXXX MD XXXX XXXX {$350.00} XX/XX/XXXX XXXX STORE - # XXXX XXXX MD XXXX XXXX {$420.00} From what I could tell someone accessed my XXXX online account which had my discover card in it. They made these two separate purchases and then picked them up in store, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

I disputed the charges with Discover right away ( XX/XX/XXXX ) stating I did not make these purchases and the quickly reversed the charges. However once they spoke with XXXX, XXXX provided them with the receipts for the purchase which Discover deemed valid and then re-charged me. I received the dispute case closure notifications on XX/XX/XXXX and XXXX for each charge. 

I have since sent a notarized form to XXXX also disputing the charges. I received a response on XX/XX/XXXX from XXXX just stating the same thing saying it was valid and I need to follow up with Law Enforcement. 

On a side note on XX/XX/XXXX the person returned one of the items at a different store, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX, and I did not see that return charge on my Discover Card. 

So as of right now I have been charged {$780.00} for items I did not purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Deposit was made XX/XX/XXXX for {$450.00}, and second deposit on XX/XX/XXXX for {$1500.00}. My account has been blocked since XX/XX/XXXX, and I am unable to access my account. When I call the bank, they refuse to give me any information as to why my account has been blocked and frozen.

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 2019-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RockLoans Holdings LLC
State: CA

Complaint narrative:
Due to a third party credit repair agency mistakenly disputing the wrong information ( all done via computer and non-human error ) Rocketloans received an auto-letter of possible fraudulent information on my account. Instead of contacting me to clear up the very small issue which has happened before with a credit card and is very easily fixed they took it upon themselves to breach Debit and Note contracts to quickly try to set an unauthorized ACH withdrawal for the entire loan amount just days after issuance with no regard to the implications with myself and my bank. 

Unfortunately due to their unprofessional XXXX  response to the matter they breached contracts and my bank has cleared up the issues and I have blocked them from all further contact. I will contact all legal and law enforcement authorities if any more contact or attempts to debit are made and they will be used against them in a court of law. 

Please use this example to show the public and issue correct consequences for RocketLoans actions with total disregard to my well being since they indirectly also had my bank account locked ( to which I could not even access money to eat ) which I cleared up on my own while they ignored all calls even after I sent immediate proof of all information needed to clear the mistake. 

This loan is now void.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I have not had a XXXX account and to see a collection from them is surprising. 
I have not recieved any letters in the mail or phone calls? just seen this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX19 Capital One closed my account. I had a XXXX credit line. They are not giving me a specific reason for the closure. I was never late and I pay the bills way ahead of time. I've trying to get the account reopen as I use it mostly for my business. I can't get anyone to return my phone calls. Every time I call I'm directed to a voice mail and nobody calls me back. There is nothing wrong with my credit and I never did anything wrong with this account. In addition I'm owed about {$500.00} in cash back which they haven't credit my account. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I AM WOMAN, BECAUSE OF ONE WEST BANK FALSE CLAIM AND ATTEMPT TO FORCLOSE MY PROPERTY ON XXXX, and filed false proof of claim ( FOR CONSTRUCTION LINE OF CREDIT WHICH WAS CHARGED OFF IN XX/XX/XXXX ) in Bankruptcy CASE NO,, first under name ONE WEST BANK, XXXX ( XXXX XXXX XXXX ) AMOUNT , 1,,,,,,, DATED,,,, CLAIM NO,,,,, and then under name ONE   WEST BANK, N.A ( XXXX XXXX XXXX ) FOR AMOUNT,,, DATED,,, DOC,,, AND never mentioned in bankruptcy case ONE WEST  BANK become CIT BANK IN XX/XX/XXXX. ALL THEIR ACTIONS harmed and damaged I and my family and lost costume property WHICH I built In XXXX by XXXX point at me ON XX/XX/XXXX, and 30 days in XXXX detention center in XX/XX/XXXX, for XXXX unlawful, administrative Bankruptcy court order. ( BANKRUPTCY CONVERTED TO CHAPTER XXXX BANKRUPTCY BY FORCE OF BAND AND BECAUSE OF DOUBLE FILING OF ONE WEST BANK ON XX/XX/XXXX. ) ( TRUSTEE DOUBLED ONE WEST BANK FALSE CLAIM, one for ONE WEST BANK XXXX, and another one for ONE WEST BANK, N.A= TOTAL $ //// ) I FILLED CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX, IN XXXX VIRGINIA CASE XXXX TO FIND OUT WHO HAS RIGHT TO COLLECT CONSTRUCTION LINE OF CREDIT AFTER ALLEGED CONSTRUCTION LINE OF CREDIT BEING CHARGED OFF BY MORTGAGE SERVICER XXXX XXXX IN XX/XX/XXXX. BANKRUPTCY DISMISSED PER 3 CREDITS REPORT {$0.00} CLAIM, AND {$0.00} LIABILITY IN XX/XX/XXXX. 
XXXX XXXX XXXX TRUSTEE FALSE ACCOUNTING REPORT AND FALSE SUMMARY CLAIM HARMED, harmed, harmed, harmed, AND DAMAGED I AND MY FAMILY VIOLATE DUE PROCESS OF LAW, VIOLATE JURY TRIAL, VIOLATE TRUSTEE OATH. 
1- I LOST {$91000.00} FROM DIP CHECKING ACCOUNT, 2- {$6300.00} REMAIN IN DIP CHECKING ACCOUNT THAT I CAN NOT USE IT AND I DID NOT GET CREDIT FOR IT. 3- PROPERTY WHICH I COSTUM BUILT ON XXXX KNOWN AS XXXX XXXX XXXX XXXX VA ,. chapter XXXX trustee. It began with the general principle in section 704 ( a ) ( 1 ) that a chapter XXXX trustees duties include collecting and reducing to money the property of the estate for which such trustee serves, and close such estate as expeditiously as is compatible with the bests interests of the parties in interest. The efficacy of liquidation must be balanced against the best interest of parties, including the debtor. Obviously, a chapter XXXX trustee may not conduct the case for the sole purpose of self-enrichment. Here, the U.S. Trustee was motivated, at least in part, by a desire to increase his fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
contacted company regarding debt.company responded back with just an itemized bill.i have know knowledge of said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
Hello : ERC is reporting on my account that I have a past due account from XXXX and I don't. I want proof of this being my account. I tried contacting them in regards to the account but have not received an answer. Their contact info is ERC XXXX XXXX XXXX XXXX FL Their phone number is ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank branch informed me if I opened a checking account on-line and met several requirements, I would receive a {$300.00} bonus. The requirements were to have a direct deposit and have deposits over {$5000.00} within 90 days. I opened the account online on XX/XX/2019 and met the direct deposit requirements. I called the TD Bank customer service dept. immediately after I opened the account to ensure I did everything correctly. After 90 days I called the customer service asking where my {$300.00} bonus was and they said it can take up to 125 days. I called at 125 days and they said someone would get back to me in 48-72 hrs. After a week with no contact, I again called and they said someone would get back to me. After no contact I called again today they said I was denied the {$300.00} even though I met all the criteria for the offer. The customer service representative said that the response they received from the promotions department indicated that I failed to click a link when opening the account which disqualified me for the offer. I informed her that I did what ever the offer on their website instructed me to do and then followed up with a telcall to ensure I did the correct thing. 

I asked for a supervisor who then changed the story and said that their promotions department said there was no {$300.00} promotion at the time I applied. This is completely wrong since how would I know the details of what to do if there was not an offer. I think they are running a scam to get new accounts. I am so glad that I didn't move all of my accounts to TD Bank and tested if first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
Fed Loan is inaccurately reporting the status of the Student loan payment status. I have reached out and contacted them to no avail. They are aware of the permenant and total XXXX discharged account with the Dept of Education. However, they are still reporting my payments incorrectly which is affecting my credit profile negatively. The Dept of Education has indicated that Fed Loan was notified, however, they failed to update any status reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I, XXXX XXXX HAVE BEEN FRAUDED SEVERAL TIMES FROM 2 COMPANIES. ON XX/XX/XXXX XXXX XXXX XXXX   TOOK {$2900.00} FROM MY MASTERCARD XXXX AND ON XXXX ANOTHER {$1900.00} FROM MY VISA CARD XXXX. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND DID ABSOLUTELY NOTHING AND REFUSED TO REFUND ME MY MONEY..A COMPANY CALLED XXXX  XXXX XXXX TO {$1400.00} ON XX/XX/XXXX FROM MY CHASE MASTERCARD XXXX THEY DID THE SAME THING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC
State: TN

Complaint narrative:
Received a notification of pre-qualification from the company and applied for the loan. Accepted terms and signed a contract for repayment. During the review the company asked for my banking user name and password to access my bank account, stated that it was for drafting the repayment. After I added my banking info, the loan was declined. 
The company improperly requested my banking info to draft payments ( after I provided them with my paychecks, bank statements, XXXX ) and then declined my loan. 
I have never in life had to provide my bank user name and password and I feel this is an improper and intrusive lending practice for loans from this company. 

If the loan was declined, then none of my banking information should have been requested, especially not my user name and password. This is a poor practice and the company needs to be sanctioned for using these practices if a loan is declined. Pre-qualified or pre-approved, alike.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased a laptop from Best Buy in XX/XX/XXXX on credit - a 'rewards card ' ; bundled with it was a Debt protection service which I opted in for. Over the years as Best Buy was acquired by Citibank I tried on numerous occassions to stop this debt protection because I never missed a payment and it was unnecessary - finally in XXXX : I was able to contact this Best Buy Citibank subsidiary - I began to realize that the great adversity which one has with the online account process in fact is massive fraud. Here is an example like my own ... ..XXXX XXXX XXXXXXXX I have tried on numerous occassions to audit my account - finally I made the mistake of asking the company itself to help me ... ..now there are no records of these past many years of transactions ... .just a debt that never goes away. As a conservative and conscientious consumer it dawned on me that Consumer fraud is in a word a corporate entity which collects exceedingly high interest rates and also sells debt protection services along with it - ( conflict of interest? ). This theft of services is obviously rampant ... .I would like to recover the excessive interest which this predicament has created at least - thank you for your attention.

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