vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF FINANCIAL CORPORATION
State: CO

Complaint narrative:
During the month of XX/XX/XXXX, several fraudulent charges hit my account from XXXX See attached.

I reported these charges as fraudulent and received a provisional credit. Several months later, the provisional credit was reversed without any explanation. When I called and spoke with TCF Bank security department, I was told that the merchant provided a copy of the transaction as it appeared from their end. I explained to XXXX  (? ) that a receipt for a fraudulent transaction does not make is any less fraudulent as that is not proof I authorized or benefited from the charge. She fumbled with her words and failed to add any logical reasoning and referred to TCF policy that simply having the vendor respond is proof enough. This is absurd.

Here is the statement from the TCF Bank website on Identity-Protection which does not match their actual practices : We provide zero fraud liability.

Consumers are not held responsible for fraudulent charges made from your account. Consumers must notify us within 60 days after we send you a statement on which the unauthorized use first appears. Certain conditions and limitations may apply.

Unfortunately, your security department is not protecting your customers and instead protecting merchants. I am disappointed because of the basis of the decision and I was wrongly billed for services I never received.

To resolve the problem, I would appreciate your company reversing the fraudulent charges. Enclosed are copies of my records. Ive copied this message to all consumer protection and banking regulation establishments in order to facilitate the process and help you produce better safeguards to protect your customers. Im also seeking an investigation into TCF Bank procedures as I can only imagine the other families that have struggled through this nightmare.

I look forward to your reply and a resolution to my problem before seeking help from additional agencies or council.

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 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
For several months my mortgage statements have reflected charges labeled as other charges which are not principal, interest, or escrow. Multiple calls have been made to Fay Servicing, who is the servicer, in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get an explanation of said charges. At no point could charges be validated or explained but yet they reoccur and late fees are being charged based upon it. Fay Servicing has been lees than truthful and made other errors on our mortgage in the past which all can be proven. Fay servicing will not receive money that is not due. Our mortgage is and has been current. It would appear that Fay Servicing is engaging in predatory practices and with as many complaints as they have there couldnt be a servicer more deserving of governmental oversight. If there is no resolution to the current issues within 30 days we will be forced to take other action which, after initiating, there will be no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: WI

Complaint narrative:
I did not receive my XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, XXXX XXXX acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, XXXX XXXX did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided XXXX XXXX with the requested information however, they have not updated my credit report, as they indicated they would.

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 2019-08-13 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, XXXX XXXX   acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, XXXX XXXX did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided XXXX XXXX with the requested information however, they have not updated my credit report, as they indicated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Little Falls, Inc.
State: MN

Complaint narrative:
I am trying to pay stuff off that are showing up on my credit report. I reached out and spoke with one of the head guys named XXXX XXXX and said I would pay the XXXX collection on my credit report. He said I had some old accounts through their office ( totalling around 1000 ) I told him I do not have the money to pay everything and only want to pay whats affecting my credit reports at the moment. He told me he would not report paid satisfactorily in full to the credit bureaus for he XXXX unless I paid everything else he had. I want to pay this XXXX check for XXXX XXXX XXXX because they are nice people and I want it removed from the credit report or say paid in full so it doesnt negatively affect my credit anymore. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has been the servicer for years. I have also not paid on my loan for many, many years. I am currently in a better financial place and have recently started paying on my loan. I am paying significantly more than the amount due. 

The problem is, is that when I wasn't paying I rarely, if ever received a call, email, or even a bill from Navient. Now that I have been paying the loan they are harassing me. They have called family members. Today, XX/XX/2019, they called at XXXX, XXXX, XXXX, XXXX and XXXX. I have repeatedly told them they could no longer contact me by telephone, and I will only accept communications by mail or email. They call at least once a day, every day but some days they call non-stop. 

I think I was better off not paying, then I wouldn't be harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My lease vehicle was involved in a car accident on XX/XX/XXXX. I was not the driver, my son was driving. I contacted XXXX XXXX to find out what the next steps would be, if my claim was denied. I was told, in a recorded conversation by XXXX XXXX, that " we would need to pick up the vehicle and sell it at auction. We would take that amount off the amount you owe and then we would file a gap coverage claim since all lease vehicles come with gap coverage '' I then called again to the Total Loss department and spoke with a different agent who stated they were waiting for XXXX  to release the vehicle. I contact Progressive and the vehicle was released on XX/XX/XXXX and picked up by XXXX XXXX on XX/XX/XXXX. Immediately after this, I had a credit alert notification that my vehicle was placed as 'Derogatory, Repossession ' My issue is the fact that after numerous calls ( nobody from XXXX XXXX has reached out to me ) I was never once told that if XXXX picked my vehicle up that it would hit my credit as a repo ( this was over 200 points against my credit report ). I am devastated at this. I was never given the option, or choice. It is all in their recorded calls. I have left messages for a supervisor to call me back, and still, not one call. I continued making my lease payments since XX/XX/XXXX so my credit would not have a negative impact. I have never missed a payment, or made a late payment, and now this. No calls to explain to me what is going on.

Please help!

Kind regards - XXXX 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 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Wednesday, XX/XX/2019 MR. COOPER Consumer Financial Protection Bureau Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX, TX XXXX Reference : Account # XXXX ( hereinafter the subject loan and is the reference for all questions and requests described below ). 

Follow-Up on : QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST of XX/XX/2019. 

Dear Sir or Madam : Regarding the letter I sent you dated XX/XX/2019, via Certified U.S. Mail # XXXX, the letter titled QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST. The letter was received and signed for by your representative on XX/XX/2019. ( See U.S. Postal Receipt below ) On XXXX XXXX, 2019 your company received a 14-page Official letter from Property Owner XXXX XXXX XXXX. In part that letter read, I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account # XXXX. 
Do you claim that your company ( doing business as Mr. Cooper ) has answered all the requested enumerated documents demanded in the letter that you acknowledge receiving on XX/XX/2019, and that you completely and honestly responded in full, and you declare under penalty of perjury that you answers all my questions truthfully and you have supporting documentation for your claims? 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have debt collectors requesting payment me as a result of identity theft : - Convergent Outsourcing Inc - ACC # XXXX - BALANCE - {$3200.00} - OPENED XX/XX/19

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 2019-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Coinbase Case XXXX On XX/XX/XXXX, An unauthorized purchase was made on my Coinbase account after apparently being hacked. This was in the amount of XXXX Bitcoin or {$24000.00}. As soon as I noticed that same night, I contacted my bank and coinbase. After my bank reversing the transaction ( I obviously can not afford $ XXXX as my bank account is around $ 1k ) Coinbase informed me that my account was going to be locked and investigated. Keep in mind, I had north of {$1500.00} in crypto on that account that I had been saving up for months. After waiting for weeks, calling everyday to no avail and emailing back and forth, I was greeted with an email saying that I was gaining access back to my account after deeming the transaction was unauthorized. I was happy for a total of one minute until I logged in to see that my account had been drained to pay off the debt of the unauthorized purchase. Those XXXXbtc were purchased at a higher price-it dropped-and coinbase left me on the hook for something I didnt even purchase. Now my account shows {$0.00} in crypto and around {$3000.00} in debt that is required in order to even use the account. Im a small customer and used this site to build my savings slowly. I would never purchase nearly 25000 dollars for anything with my current financial status. The purchase was totally uncharacteristic and unlike any of my many other purchases and shouldve raised a red flag but instead Im left with debt for something I played no part in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
Debt originally with XXXX at XXXX XXXX, my former apartment complex in XXXX XXXX, TX from XX/XX/XXXX to XX/XX/XXXX. Allegedly owed {$160.00} despite never being informed through any communication, either directly to me or to my submitted forwarding address that I provided before moving out.

It was not until XX/XX/XXXX that I was contacted by Carter-Young, a debt collection agency to whom XXXX at XXXX XXXX sold my alleged debt, with an itemized bill of charges. This amount was also already reported to XXXX in XX/XX/XXXX.

This is in direct violation of Texas Property Code 92.110 ( a ) which states that : " If a security deposit was not required by a residential lease and the tenant is liable for damages and charges on surrender of the premises, the landlord shall notify the tenant in writing of the landlord 's claim for damages and charges on or before the date the landlord reports the claim to a consumer reporting agency or third-party debt collector. '' Site : XXXX XXXX XXXX They sold my debt before I was ever informed of my alleged debt, and even reported it on my credit before doing so. I was never contacted directly by XXXX, only by Carter-Young in XX/XX/XXXX.

Because they violated Texas Property Code 91.110 ( a ), whatever debt I allegedly owed should be forfeit and therefore erased from my credit history. I can provide proof that a deposit was not required for my lease ( I wrongly believed I had given them one, so Carter-Young informed me by mail that this was incorrect ), and that my bill sent by Carter-Young is dated XX/XX/XXXX, 11 months after my lease termination.

I have attached the Carter-Young statement from XX/XX/XXXX and a photo of a letter sent from Carter-Young relaying a statement from XX/XX/XXXX indicating that there was no deposit required for my lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
A couple of months ago late XX/XX/2019 while at work I recieved a very threatening phone call from someone named XXXX who said he was representing a law firm and if I didnt pay him a couple of thousand dollars today that he already had agents outside my home to get me. I was alarmed and tried to find out what was going on. He informed me i owed a debt to XXXX XXXX XXXX. I called XXXX XXXX XXXX immediately and was informed a debt collection agency had taken over. I called them imediatly and worked out a payment plan. Ive made two payments so far. Ive tried to contact them to tell them debit card I was using to pay was closed dou to fraud and have had no calls returned by them. Finally today XX/XX/2019 i recieve a threatening very aggressive call from XXXX again playing the same routine! After explaining that i tried calling them multiple times he informed me that I now owe even more debt then the payment plan I had agreeed to with another staff member. He was rude, threatening and aggressive and belittled me and eventually hung up. Im concerned our original deals terms will keep changing and they have not given me any paperwork. Im concerned before I pay anymore money that these people honor what we agreed upon. Also when I asked to speak to who I had made deal with I was told hes on vacation. Please help this XXXX guy has been scary to deal with

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
the disputed amount is {$1000.00} charged to my account from XXXX XXXX XXXX XXXX XXXX, NY and the date of the charge is XX/XX/2019. I live in Florida and my daughter lives in a XXXX XXXX in New York. On previous occasions I had to use XXXX  to repair my daughter 's power XXXX. On each occasion, XXXX would send and invoice detailing the repairs, a list of parts needed. They would send a document via email for me to sign authorizing repairs, and a document requiring me to PREPAY for the parts in advance before they would send out a serviceman to do the repairs. On two occasions I signed the document via e mail gave my credit card to PREPAY for the parts and authorized repairs. On this date. I refused to sign or PREPAY for any parts and did not authorize any repairs. I instructed the care facility that XXXX wasnt allowed to do any more repairs and I proceeded to hire someone else to do the repairs. XXXX  performed no services no parts but billed my credit card. I immediately informed citibank who reversed the charges pending investigation. Twice Citibank reversed the charges, put them back on my bill and closed the investigation ... ..without ever talking to me. Each time I renewed the complaint and citi reopened it. Finally I got correspondence from Citibank where XXXX submitted an invoice I had allready paid to citicard as proof of sale. The numbers on invoice didnt even match the the new invoice nor did the dates and the invoice was paid to citicard previosly. I submitted to citibank the unsigned email asking for permission to sign card everything Ignored by citibank I even spoke to a customer service rep that told me that once I give XXXX  my credit card number they, XXXX can use it whenever. I could not believe she said that so I asked for her supervisor who gave me this contact to make a complaint. XXXX XXXX is sneaky ... using previous information for a credit card to put charges on my card without authorization..and citicard allows them to do it. I recieved no services or parts and did not authorize this charge ... Citi card is totally ignoring all my documentation and all I get is if you dont pay it will be reported to credit agency and ruin your credit ... .and XXXX  has submitted no current invoices or any signed or verbal authorization.. I am frustrated

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 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I owed money for an old bill and it was taken over by a collection agency XXXX XXXX. It was on all three of my credit reports. I disputed them all and XXXX XXXX removed the debt from XXXX and XXXX but will not remove it from TransUnion. I keep filing dispute which they deny. I called he company today and asked for explanation as to why they would remove debt from two out of the three but leave on one. Its the only thing preventing me from getting my first time home owner loan in the spring.

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 2019-08-13 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I reviewed my personal credit report ( s ) online in XX/XX/XXXX and saw where AMEX reported to credit bureaus XXXX and XXXX that I owed them {$13000.00}. I then spoke to AMEX on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.

Since speaking with AMEX, I continued to monitor my credit report ( s ) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to {$14000.00}. I requested validation, that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.

AMEX responded on XX/XX/XXXX where they listed the account identifier ( account number ) as XXXX  and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.

After reviewing my credit report ( s ) for XX/XX/XXXX, I noticed a comment under the AMEX entry that stated, Account closed at consumer 's request and dispute investigation completed ; consumer disagrees. I wrote to AMEX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature.

I received no response to date, and they have since reported that I owe {$14000.00}. The Payment History for this account starts at the month of XX/XX/XXXX and is marked C for collection. No other payment history is listed before XX/XX/XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was {$26000.00}. Prior to XX/XX/XXXX, AMEX was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to XXXX  and XXXX as well on XX/XX/XXXX and XX/XX/XXXX to no avail.

Company response to consumer: Closed with explanation