vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MedShield, Inc.
State: IN

Complaint narrative:
My wife and I received a notice from XXXX XXXX who is a debt collection attorney for medshield. They filed a lawsuit claiming they exhausted collection efforts yet never received any voicemails nor is the debt reported to the credit bureaus. This debt is from over 7 years ago. I submitted a written statement indicating several hardships and offered an immediate settlement offer for a majority of the bill. My sister is XXXX XXXX which we are assisting financially as well as watching our niece a good portion of time and incurring additional costs. We also have large amount of medical debt due to 7 rounds of XXXX totaling over 150k. In my letter I requested a counter settlement if mine wasnt accepted. I was told the settlement was denied and no counter offer. During at least one call I was never notified the call was recorded. Did some research and this guy is suing people for 15-20 year old debt when the brr was a juvenile ... how is this consumer friendly? My sister has many expenses and bills we help with including very expensive medicines. I ended up being forced to pay XXXX  in fees on a XXXX debt or be sued? No consideration for our situation. 

XXXX 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 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
this debt showed up on my credit and I have no idea about it. my. mother had the same collection on hers for XXXX and I had it for 50. this company seem to jus randomly place a collection on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: NY

Complaint narrative:
Identity theft

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 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Greetings, this is the second time that I had to write to the cfpb in regards to this matter that I am facing with capital one. During the hurricane capital one put me on a program to help individuals with difficulty not to have late fees on their account, and they sent me a letter putting all three accounts on the program and I accept and again there is no where in the letter that mentioned if you are late that they will report it to the bureaus and if they had clarified that I would of asked for help to pay on time but since they say that I will not have any issues so I accept to be in the program. 
I called capital one this week XXXX XXXX and spoke with a young lady that I explained to her that I am doing a va loan and it is imperative that I dont have any late payments shown in my report even though that I paid both accounts full and after those two months of XX/XX/XXXX and XX/XX/XXXX my account never late or before XX/XX/XXXX never late, so please see what you can do for me please mam to remove those two closed accounts from my file. She responded that she will call me back within an hour to investigate the account completely. Now, she did call me back and states that sir, I do show that you were on a program for the hurricane that happened in Florida in XXXX and that we can not remove the late remarks or remove the account because they have to report it so I answer her, mam, then why was I put in a program to get help from capital one during these difficult times. So basically, capital one is reporting to the public that they are helping people and yet that is not true at all, because if you read what I wrote at the beginning of my letter it clearly states that they have a program to help military individuals which I am a 100 percent total and permanent XXXX veteran. I made sure I paid in full both accounts without ever missed a payment and capital one dont have the decency to remove an account that I paid in full from my credit that is already closed. That is sad and ashamed especially when I am trying to put a roof over my families head, put yourself in my shoes president of the bank, workers of capital one, ceo of capital one put yourself in my shoes, especially when you didnt do, anything wrong. I WAS PUT IN A PROGRAM AND I NO MATTER WHAT I WAS ABLE TO REMOVE MYSELF FROM IT AND PAID IT IN FULL WITHOUT ANY LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
The vehicle in question with this lien holder was involved in a hit and run accident by a stolen dump truck ( see linkXXXX XXXX XXXX ). My insurance company investigated and screwed around for almost 4 months ( 3.2 months ). The claim was settled with XXXX XXXX on XX/XX/2019 - they have screwed around and didn't issue payment for the vehicle until yesterday XX/XX/2019 - Santander whom I called a half a dozen times prior to this, even made a {$50.00} good will payment so SOMETHING had been paid, ( which they never reported or credited ) and charged off the account on XX/XX/2019 when they clearly KNEW it had been a total loss in early XXXX! They also kept me from making payments online via debit/credit for months and when I would call and try and make a payment just so SOMETHING would be paid, they kept giving me the runaround of " dept is closed '' and they won't be open until XXXX tomorrow nonsense. 


So when I see the account is charged off on my credit report NOW they tell me that if i would've made payments they would've reimbursed me? something I've never heard of, why would they reimburse me when I would still have to file a claim with the GAP coverage to cover the balance of the loan. 

I call XXXX, I have attached, not only the statement from the bank I made the {$50.00} payment from but also the entire phone conversation with them stating everything that they said plus they said I should've been told that the first time I called and nobody would inform me of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I purchased a car in WI where I live in IL, as I've done on multiple occasions given my brother works at an XXXX XXXX in WI. The car was initially titled in WI as it always is where I then need to title/register the car in IL. My loan is via Citizens One that uses a 3rd party ( XXXX XXXX XXXX ) that charges a fee to send the physical title to the DMV in IL. XXXX told me that Citizens One should take car of this for me, as they would need to charge a change of state ( when someone would move ) for {$44.00} to send the title to the IL DMV. Citizens One filed a case number earlier this week and told me they would take care of this for me ( especially given I've never been charged a fee for this action with the 8 prior vehicles I've purchased from my brother in WI ). I followed up with Citizens One this morning only to find that they are refusing to cover the cost or do anything about it. I know this is only {$44.00}, but it is more the principal that they said they would cover it, and that they know that the 3rd party is going to charge fees for every customer they have in order to do any kind of title transfer where any other bank would take care of that transaction including any associated fees. Thanks in advance for looking into this, as I feel Citizens One is taking advantage of all of their customers by hiring XXXX and washing their hands of doing the simple things a loan company should be doing while making money already with the interest rate they charge,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My EQUIFAX report contains inquires and collections that I do not recall originating nor do I possess document copies having my signature authorization ( s ) the same that's on my Texas Diver License # XXXX. 

Demand is made for verification or deletion of the following data : INQUIRES Report Date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX ( ID ) XXXX XXXX XXXX ( ID ), XXXX XXXX XXXX # XXXX ATTN, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX COLLECTIONS Report Date : XX/XX/XXXX Date Reported XXXX, XXXX Collection Agency XXXX XXXX XXXX   XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$310.00} Amount {$93.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: MIDFIRST BANK
State: MD

Complaint narrative:
I recently applied online for a joint Savings account with Vio Bank, a subsidiary of MidFirst Bank, and I received an onscreen message saying that my application could not be completed, and to call them. I contacted them in the hopes that they needed additional information which I could provide, but they instead told me that my application was denied. I asked why it was denied, and they pointedly told me they would not disclose the reasoning, but that I was welcome to apply again. They further indicated that information they received from a reporting service is what their decision is based on. But, they would NOT tell me what information they received and what agency provided said information. Further, they stated that I would not receive any adverse action notice or any clarifying information from them, as I requested. I even spoke with a Bank Manager who adamantly stuck to the same line of explanation. 

I am uncertain as to the seemingly negative information that this bank has about me, and they are not giving me a chance to take steps to fix it, especially since I am unaware of its overall implications. I have successfully opened bank accounts in the past without any problems. I need to be able to know what adverse/negative information they accessed, where it came from, and how I can correct such. Vio Bank is unresponsive to my request for any information pertaining to my application and their subsequent decision to deny the application.

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 2019-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
My Loan is with Carrington Mortgage. # XXXX. 
I have owned my home for XXXX years, since XX/XX/XXXX. When it got sold to XXXX I have had nothing but horrible service. I got behind a couple months on my mortgage due to starting a new job, and going thru a divorce. My mortgage used to be : {$760.00}. 
I paid XXXX XX/XX/XXXX, not a full payment on XX/XX/XXXX ( I paid XXXX ), On XX/XX/XXXX, I paid XXXX, on XX/XX/XXXX, I paid XXXX, on On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid TWO payments of XXXX to 'get caught up ' and on XX/XX/XXXX I paid XXXX for XXXX thinking THAT CATCHES ME UP. Nope it still didn't. Oh and by the way, they raised me to XXXX from XXXX stating that it was because I needed a bigger escrow cushion due to me being late before. I paid XXXX on XX/XX/XXXX, and paid ONLINE for XXXX of {$920.00} ( to include a late fee ) and they said I 'was one number off on my acct number so they never took it ) that is not true because I don't even enter my acct. number each time I pay, its SAVED!! I didn't know the bank didn't take it either until I went to pay XXXX XXXX for XXXX and find out I am now 2 mths behind and they tell me I have incurrec {$400.00} in late fees!! This is so fraudulent on so many levels. I also got a letter from them yesterday called " intent to foreclosure. ' saying they will only take XXXX and nothing less and it has to be paid in 30 days from the date of the letter or they are taking my home. Which I know has been their intent since they bought my mortgage. XXXX of the XXXX is late fees ... I should be able to pay my XXXX but they are not allowing me to. I am beyond upset. I have about 2 mths left until my divorce is final and this is all so stressful. I can't lose my house over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I requested a validation of the debt from collection agency XXXX XXXX XXXX, XXXX. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g. XXXX XXXX XXXX, XXXX failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with XXXX XXXX XXXX, XXXX. The collection agency is in violation of the Fair Debt Collection Practices Act.

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 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
OUT OF STATE CHECK WAS DEPOSITED ON THE XXXX OF XXXX AN OUT OF STATE BANK AND WITH CHASE BANK THE FUNDS WILL NOT BE AVAILABLE UNTIL THE XXXX OF XXXX. IS IT NOT FEDERAL LAW OUT OF STATE ABNK AVAILABILITY IS 5 DAYS. THEY ARE HOLDING AND PLAYNG WITH MY MONEY FOR 9 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
For decades consumers have been making bi-monthly payments for the purpose of reducing the number of years for payment. I myself have been doing this with mortgage and financial companies for over 30 years. Typically mortgage companies and financial institutions would charge a " set-up '' fee for the privilege of bi-monthly payments, or if a customer was savvy enough, they could just simply do it themselves. 

Today I realized via some wording on their payment page - Quicken Loans does not apply bi-monthly payments. They hold the consumer 's payment in a " suspend '' account and only apply the payment to the consumer 's loan when the entire loan payment has been received. Not only is this practice immoral and unethical - it is reprehensible. 

I am sure they have found some legal loophole? How can they create a " suspend '' account and hold my funds? They are earning interest on MY money I have thought has been applied to my loan for years!!!!!! How can this practice be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I tried an ATM withdrawal and it said I have insufficient funds. I checked my balance and it says - {$99000.00}. I know there are funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly duplicate entries of a charge-off on XXXX partial account numbers - ****XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX XXXX and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation