vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
On XX/XX/2017 I sent a letter to Consumer Collection Management asking for this company to verify the debt that is said I owe from XXXX. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted the credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Consumer Collection Management failed to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you and god bless.

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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The was a loan on my account from XXXX XXXX that has incorrect terms that was never verified by Transunion, therefore the account was deleted from my credit file. However, it was re added without any notice, justification, or how the investigation was completed. XXXX XXXX was to submit documents on XX/XX/2017 to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.

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 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: MD

Complaint narrative:
The company said they would remove my the account off my credit report and they have not even tho I paid the settlement for a delete

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX, I made purchases in XXXX with funds from my account. These transactions were reflected on my account immediately. The next day my car payment was taken out, I was overdrafted, and the transactions were reposted to my account the next day as new charges. Instead of XXXX overdraft fee, I received XXXX overdraft fees on purchases as little as {$5.00}. Wells Fargo reversed the order of charges to charge as many overdraft fees as possible. I spoke with a representative to no avail.

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 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Collections U.S.A., L.L.C.
State: VA

Complaint narrative:
This debt is not mine. I noticed this alleged account showing in collections on my credit report. I have NEVER received so much as a phone call from this company, nor have I received a letter in the mail from this company stating that a debt is owed. I have disputed this twice on my credit report this year, once in XXXX and once in XXXX and both times the credit bureau responded stating that they verified with the collection agency that the debt was valid, however they will not tell me HOW this debt is valid. Even after this alleged verification, I still have yet to receive a phone call or a letter in the mail regarding this debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Climb Credit Inc.
State: AZ

Complaint narrative:
Please read all the way to the end. This is a continuation of a problem and I called in about my concerns. 
My wife and I applied for loans on XX/XX/XXXX with Climb Credit. They approved my wife and had her co-sign on my loan for approval.We started at our XXXX school ... XXXX on XX/XX/XXXX, and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out 30k in loans. They said they would get back to us the next day ... we never heard back from them. I sent a couple emails out asking about the possibilities and never heard anything until XX/XX/XXXX when an email was received that we had been withdrawn. I immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with XXXX..EVER ... they took a payment that should not have been withdrawn from our bank account. XXXX XXXX said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against XXXX XXXX. They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion Climb took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. 
Since that time XXXX XXXX paid back most of loan. There is a bigger issue. This goes to Identity theft and wire fraud. We have been in constant contact with XXXX and XXXX. XXXX XXXX XXXX, VP of XXXX ( XXXX ) XX/XX/XXXX took this fiasco on personally. XXXX XXXX looked over the paperwork we sent and agreed there were XXXX loans taken out on XXXX students. Climb some how attached themselves to XXXX and they are NOT associated. Then on XX/XX/XXXX there was a new account on XXXX credit from Climb. How is that possible? We were withdrawn on XX/XX/XXXX? XXXX says they are up to date on the loan so how is it possible we had a loan also with Climb? XXXX loan was closed XX/XX/2017 with XXXX and just confirmed that again today ( XX/XX/2017 ). Where is the money, why were we not notified about the third loan, and who authorized the loan? Why is Climb still pulling hard inquiries and what is the reason they defaulted a loan we do not have? Why are they dealing with us as if they are XXXX? This is serious and we are pursuing this to the end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Benuck & Rainey, Inc.
State: FL

Complaint narrative:
I was contacted by Benuck and Rainey who purchased a debt that I owed to XXXX. When I answered the call, it came from an unknown number and the caller said they have been trying to reach me about a debt I owe. I asked who he was with and he told me Benuck and Rainey. He then proceeded to tell me that they are a collections company that also handle litigation. I asked again, who are you and who are you with. He said, we are handling a debt and we are essentially a law firm who also handles collections. After looking them up, I found they are not in fact a law firm and he REFUSED to send me something in writing. He said they acquired my debt earlier this month and have already sent me a letter ... which I said I did n't receive. He refused again to send another letter and asked if I was ready to pay over {$7000.00}! I believe the initial loan I took out was around {$3000.00}, I had paid about {$3000.00} of the debt but because of the HIGH interest rate and late fees they claim have been added up, I owe another {$7000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Ocwen Mortgage loan services, foreclosed on my home, 2 years ago. I hired XXXX attorneys, cost me {$32000.00} in fees. Was evicted by the police department, was given 2 days to get my things out, the undersheriff said we could have more time, but the cop that was pushing for the eviction was doing this on the side, using is badge and XXXX as intimidation. Had another company working to keep us from getting evicted, they said we were good, the court must of got the writ to stop eviction, because the police were not back to get the keys. That mortgage company told me to put my things back in the garage, it was done. The next morning XXXX dumpsters showed up, and the clean up crew. A friend of mine that was a XXXX was helping me with some stuff at my house, he approached the clean up crew telling them it was stopped and they called that cop, and he called my wife and cussed her, and threatened to arrest her and our friend and road raged her as they were down the street. And he is an officer of the law or is he above the law? Our friend that was a XXXX called the undersheriff and asked if we could get the rest of our stuff out, and the undersheriff said he would have the crew put it all in the garage. Well we came the next day, and the undersheriff lied, they stole our prescription drugs, TV, bikes, clothes, food and threw everything thing else in the dumpster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
citi changed the terms of my credit card account to paperless without users agreement.my credit score and interest rate were affected.after having reported a disputed charge i was told i would have to create an online citi account.im now being told by citi that i somehow checked a paperless payment box which i know i didnt.ive been trying since XX/XX/XXXX to get an explanation in writing.after being a customer since XX/XX/XXXX im canceling my account with citi.

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 2017-02-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
Hello, I contacted you last year about Maxium Title Loans harrasing me over a unpaid loan. The case number that I was given XXXX. 

We eventually went to court on this matter and the judge ordered that I would have to pay {$730.00}, which what was owed when I defaulted on the loan after paying almost a year on it. 

I was going to have my wages garnished. The judgement came on XXXX XXXX, XXXX. 

I received a call at work on XXXX XXXX, XXXX from somebody probing my coworkers for information. I had already left for the day and my coworker referred them to my human resource department, XXXX. There was also a voicemail left on my work number as well saying to give them a call. Within 30mins of my coworker calling me about the call they got, I received a phone call on my personal number. My number is not associated w/my name and can only assume that my HR department gave them my personal number. 

The number Maxium Title Loans called from was XXXX XXXX XXXX and the gentlemen said that they were going to move forward on garnishment and did I want to work something out. I was in shock that they were calling me after being instructed never to call me at work and they could have not have had my personal number without getting it from my employer somehow. All that information was in the first complaint. 

I told the gentlemen that we were in court almost a year ago and I have been waiting for the garnishment since the court date. The gentlemen said that I owed the company over {$1300.00}. I told him that my paperwork said that I owed {$730.00} and it 's not my fault that they waited almost 1 year to get an extra {$600.00} on interest. NOT FAIR!! I told the gentlemen to do what he needed to do because I was not working anything out with him or his company. The garnishment should have taken place immediately after our court date and not 1 year later to gain interest. I am also reaching out to the courts where the judgement came from to see if I can get back into court for this delay that will cost me {$600.00} ( case number XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I co-signed for my son and toyota did not pick up the payment from XXXX XXXX because according to toyota motors they had transitioned to XXXX but toyota still took the vehicle and allowed the reinstatement he paid about {$2400.00} for toyota motors to turn around and take the truck back from him and said the account had been closed since XXXX. I tried to refinance the loan and made Toyota motors aware but in the process they ended up asking me to pay {$350.00} for them to release the payout amount to the new refinancing company and auctioned out the vehicle. My credit was ruined and my son and his family ended up with no truck after toyota made that mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Direct Recovery Services, LLC
State: OH

Complaint narrative:
Received a robocall today. The caller identified themselves only by a first and last name. Claimed that my " file '' had been flagged by " internal audit '' and that I needed to pay {$450.00} to prevent it moving to the next stage. did not provide company name, credit name or any other explanation. Went on for some time listing various percentage and dollar amount " settlements ''. This same message indicating my " file '' was in their office and a lot of other pseudo legal terms was left on the voicemail of several friends and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Hello, I wrote a check in the amount of {$100.00} and PNC is saying that I did not have the amount in my account to cover it. However, the check should have posted on XX/XX/2017. PNC purposely over drafted my account and refuses to put the funds back. My account is never negative and I have been negative in the past. It is my understanding that as long as funds are added by XXXX I will be ok. Please do not trust PNC bank. They will take your hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX my Ex husband passed away. In his Last will and Testament he named me as executor of his estate and in the time since I have been trying to handle his affairs. I was appointed personal representative of his estate by the probate court onXX/XX/XXXX and have been trying to close a checking account since that time. I have contacted PNC bank with numerous phone calls and on 4 separate occasions via mail sending various documents that were requested. I still have not been able to close the account and transfer the funds to the estate account. PNC bank was provided with death certificate on XX/XX/XXXX and XX/XX/XXXX. PNC was provided with the death certificate and personal representative paperwork on XX/XX/XXXX and XX/XX/XXXX. To date I still have no resolution to this issue and when contacting PNC customer service I am told that they have no record of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
I settled an account on my credit report ( Security Credit Service ) in XX/XX/XXXX and XXXX is still showing open. After viewing this I disputed and it was not handle properly. The report came back as the account was mine, but this was not the dispute. I requested them to close it account was settled. It is still being reported as open. I contacted Security Credit Service and they informed me that they submitted that the account was closed and they did not put in a last report of XX/XX/XXXX pass due XXXX days, but it is on my report as such. XXXX continues to improperly report the credit information and refuses to recognize the settlement. The other CRA 's ( XXXX and XXXX ) has it listed as closed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This debt has been disputed ( through the credit bureaus ) due to amount in question is inflated. Plus verification of debt was never sent so collection of debt is illegal. Plus this debt is time barred under Fla Debt Collection Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2017 around XXXX my business partner and I went into your Chase Bank location at XXXX TX XXXX. Upon speaking to a teller named XXXX we were informed that a {$3500.00} check from our client could not be cashed because " it was over a {$2500.00} limit the customer had placed on a non-Chase account holder cashing. '' We then spoke to the Branch Manager, XXXX. She told us that even if we had the customer write XXXX separate checks she would not allow them to both be cashed. She also refused to cash a check for us if our client wrote XXXX checks in XXXX different names. As we left the bank, she told us she would inform all her tellers to refuse us service. 
I personally hold a Chase Bank account and am extremely offended by the treatment we received. I routinely cash checks at other Chase locations and have never have issues. We whole heartily feel this branch racially profiled us for being XXXX male consumers in a predominantly XXXX run bank. We also noticed a XXXX women 's check was also refused while we were there. This is unacceptable, especially from a company such as Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I tried to open a checking account at Huntington Bank in XXXX, Ohio. I was given a adverse action letter that stated I was unable to open an account. When I asked the bank representative why? He could not give me an answer. He told me to refer to my credit report. When I looked at all three of my credit reports I did not see any derogatory information ( no liens, no judgments, etc. ) I contacted XXXX to see if there was any outstanding balances owed or if any derogatory information existed and I was told there was n't. Given this information, I went back to Huntington to inquire further and I was told from the bank representative to contact XXXX XXXX as this is the third party they use when deciding if an account can be opened. When I contacted XXXX XXXX to see what was on the report that would hinder me from opening an account the representative, XXXX, stated she did n't see anything that would spark any red flags and was willing to contact the bank on my behalf. She sent the full report to me and I emailed it to the District Manager to see if an override could be set in place based on the lack of evidence as to why I was unable to open an account. She still declined the override after I provided her a copy of my credit report, the chexsystems report, contacted her with the representative from XXXX XXXX on the phone, and the emailed report from XXXX XXXX which ALL did not show a reason as to why I would 've been declined. I also provided the district manager with my existing account number at Huntington as I already have an account there and was simply attempting to open a separate account for convenience. To date, I have not been given an answer as to why the account was denied. No one can tell me why the system automatically declined my request nor was the district manager willing to research the issue. As a consumer, I have a right to know why I am being denied access to a checking account. I have done my due diligence to figure out why the account was being declined, but everything I researched showed there should be no problem. Reaching out to the CFPB was my last attempt in trying to figure out why this problem exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have a fixed 2nd mortgage with Nationstar Mortgage. I noticed on my statement that I have been assessed a {$37.00} fee for " Optional Products and Services '' beginning XX/XX/2016 to present day. I DID NOT opt-in for this optional product /service.

Company response to consumer: Closed with explanation