vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT # 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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
MONTH TO MONTH BASIS ON A MEMBERSHIP ACCOUNT FOR A HEALT CLUB, NO CONTRACT, PAY AS YOU GO. 

THE HEALTH CLUB FILE A DISCLOSED AMOUNT TO A CREDITOR TO COME AFTER ME. 

I NO LONGER ATTEND THIS HEALTH CLUB, STOPPED ATTENDING, AND MAYBE TTHREE OR FOUR YEARS LATER IM BEING PERSUID FOR SOMETHING THAT HAS NO CONCRETE FOUNDATION. 

IVE ASK THE CREDITOR FOR A COPY OF MY CONTRACT, AND I WOULD GLADLY PAY THE AMOUNT THAT IS OWED, BUT GUESS WHAT THEIR IS NO CONTRACT. 

THE CREDITOR WANTS ME TO PROVIDE PROOF THAT I DONT OWE, HOW CAN I PRIOF IF ITS A MONTH TO MONTH BASIS WITH NO CONTRACT. 

PLEASE HELP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I paid the Online Collections, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report

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 2018-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I paid off my auto loan with TD Bank Auto Finance in early XX/XX/XXXX. I waited a few weeks for my title to come and eventually sent a message via their secure message center on XX/XX/XXXX. I received a message back saying the following : " Thank you for reaching out to TD Auto Finance to request your motor vehicle title. We reviewed your request and confirmed we released your title on XX/XX/XXXX to the address on file. If you have any other questions or need more help, please let us know. We value you as a Customer and are here to serve you. Thank you for choosing TD Auto Finance. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance ''. 

Upon not receiving it by the XX/XX/XXXX, I called customer service and was told that the title was actually released on XX/XX/XXXX, which is the first instance that I felt was deceptive during this process. The associate told me that the title would be here by the XX/XX/XXXXat the latest. Upon still not having my title by XX/XX/XXXX, I called customer service again and was told this time that it would be here by the XXXX. I asked to speak with a manager, explained the situation and was now told that they could not guarantee when I would receive the title, contradicting both of the associates that I'd spoken with prior to then. 

I no longer know when I will actually receive my title and have lost out on 2 opportunities to sell my car because of the delay and false information from TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: TX

Complaint narrative:
CAC Financial Corp has placed the debts of those with names like mine on my credit report. The debt was created in XXXX Louisiana, where I have never lived nor been hospitalized. I called XX/XX/XXXX and XX/XX/XXXX, being told each time they could not assist me. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Iam aware that section 6058 of the fair credit reporting act requires that the credit bureaus block the fraudulent information on my credit report resulting in identity theft. I have submitted a copy of my police report and the FTC affidavit. i would like the items posted in my report blocked in a timely manner since is hindering my ability to get a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX  {$84.00} All have shown no proof therefor needs to be immediately  removed off credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: NJ

Complaint narrative:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.

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 2018-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX I talked to a woman at XXXX   about my past due account, she updated my account with my hardship information and offered me an 85 % settlement or a payment arrangement towards the full balance ... these options came after I specifically told her I cant make monthly payments and she did not provide options that would be feasible based on my circumstance. She tried to manipulate me to agree to do an arrangement that I couldnt make good on and threatened that the account was going to be placed at a law from on XX/XX/XXXX. We ended the phone call because she refused to offer me an arrangement that would fit my financial hardship.

I talked to a man at XXXX  on XX/XX/XXXX, he said that my account had not been placed at the law firm yet, and he proceeded to offer me a 75 % settlement. I told him I couldnt do that but I offered a lesser amount. He said no he couldnt accept my offer but he had a manager approve a 60 % settlement on the account. I asked to speak to the manager and he put me on hold for over 6 minutes and then hung up on me. I called XXXX  back the same day ( XX/XX/XXXX ) and next got a woman on the phone who apologized for the previous agent hanging up on me. I explained the offers and she told me she can not accept a 60 % settlement and would only accept a 75 % settlement and that is the lowest they would ever go.

XX/XX/XXXX I called XXXX  again to try and get a reasonable solution, I talked to a woman on the phone and explained my first three phone calls and my frustration. She proceeded to offer me a payment arrangement which I told her many times I couldnt afford. She then told me that my account was placed at the law firm on XX/XX/XXXX. I told her this wasnt the case and Ive been told differing stories from each agent I spoke with at XXXX. I asked to speak with a manager and she said she couldnt transfer me but she would put my escalated phone call in the queue and would have a manager call me back. We ended the call.

I missed a phone call from XXXX later the same night. I called them back and it was another agent saying it was a manager trying to call me back but she cant transfer me to them. This agent then said that there are no settlement options at all and that the account was sent to the law firm today XX/XX/XXXX. She proceeded to ask me about my hardship and said that my hardship hadnt been previously document on the account at any point. I told her she was the 5th agent Im talking to and Im not willing to explain my hardship yet again when they dont even notate the conversation on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX, I noticed an unauthorized charge on my checking account, ( by accessing online banking ) in the amount of {$79.00}. The only description is " XXXX XXXX XXXX XXXX ''. I immediately notified Chase and reported the charge as fraudulent. They initially issued me a credit. Today, XX/XX/XXXX a full seven weeks later, that initial credit was reversed, creating a negative balance. I once again called chase, and was told that they contacted the retailer, and the retailer provided evidence, such as my name and address and delivery date, sufficient enough for chase to determine the charge was not fraudulent. WHAT?? If someone, somehow obtained my debit card number, with it in my possession, is it really a quantum leap for the fraudster to also have other personal information about me??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In early XX/XX/XXXXI mobile deposited three checks into my checking account at Wells Fargo. Two were from an individual, XXXX XXXX, for {$410.00} and {$340.00}. The other was for {$30.00} from XXXX XXXX XXXX XXXX ( which is XXXX XXXX credit card operation ). The checks never showed up in my account. The weekend of XX/XX/XXXXI called Wells Fargo to ask why they never showed up. They said they were not deposited correctly, so onXX/XX/XXXX I deposited them into a Wells Fargo ATM machine. The check from XXXX XXXX was rejected, and Wells Fargo charged me an {$11.00} returned check fee. When I asked why the fee, they said whoever wrote that check did not have enough money in his/her account and it was overdrawn ( which is absurd since it was XXXX XXXX ). XXXX XXXX XXXX then informed me that XXXX XXXX XXXX debited his checking account twice for the exact same checks, once on XX/XX/XXXX and again on XX/XX/XXXX. He sent me a text showing the two debits.

I contacted Wells Fargo again on Sunday XX/XX/XXXX and explained ( over the course of an hour ) that obviously the three checks had been processed in XX/XX/XXXXeven though they were never credited to my account. Wells Fargo said they would investigate and get back to me.

In the meantime on XX/XX/XXXX I called XXXX XXXX to ask why the {$30.00} deposit made on XX/XX/XXXX had been rejected. XXXX XXXX said it was because it had already been processed onXX/XX/XXXX. XXXX XXXX   got Wells Fargo on the phone with us to explain, but the Wells Fargo rep was clueless and had no idea what to do.

Today, onXX/XX/XXXX, I got a call back from Wells Fargo. Today they said I had to call XXXX XXXX   to get them to them to reissue the check, which they won't do because it was already paid once ( even though I never got the {$30.00} ). XXXX XXXX is sending me proof in the mail. Wells also said that the two checks to XXXX XXXX had been deposited into an ATM machine in XX/XX/XXXX. This is also absurd because the checks were not even written until mid-XX/XX/XXXX. I did deposit one check from this same individual in an ATM onXX/XX/XXXX, for {$340.00}, but it was a different check. It was check no. XXXX. The XX/XX/XXXX check was XXXX. So obviously Wells Fargo did not even bother to look at the check to see they were two different checks.

At this point, Wells Fargo still refuses to rectify the situation or admit it did anything wrong. I am out {$30.00} from XXXX XXXX  and XXXX XXXX. is out {$750.00} because his two checks were paid twice ( although I was only paid once ). I wonder how many other people made mobile deposits that were never credited to their account. Is this another " scandal '' waiting to break open at Wells Fargo?

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 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AR

Complaint narrative:
Filed claim with our Insurance company for wind damage on roof, received Insurance draft.Tried getting insurance draft endorsed thru Dovenmuehle who is servicing our mortgage from XXXX XXXX XXXX XXXX. Unable to reach person assigned XX/XX/XXXX. Spoke to someone who said they were answering XXXX 's phone. Said endorse, send in, they would endorse and send back even though email said over {$10000.00} they would keep 10 %. I overnighted to Dovenmuehle. Attempted to contact XXXX twice XX/XX/XXXX phone just rang, no voice mail option. Tried again XX/XX/XXXX was able to leave voice message. Never received return call. Called XXXX XXXX XXXX   directly. XXXX XXXX got XXXX to return my call XX/XX/XXXX XXXX   stated they had a 5 day turn around and that they had to wait until our check cleared before they could send us a check for 90 %. This is incorrect as I overnighted them an insurance draft, not a check. Drafts do not clear like checks. The letter I overnighted with the draft explained that our roof was going to be replaced this week. We needed the money to pay the roofer. I included a prepaid return overnight envelope. Time was of the essence.

I emailed Dovenmuehle again XX/XX/XXXX told them if a check was not overnighted to me so that I received it by XX/XX/XXXX I would file this complaint. I also left voice message with XXXX XXXX Monday morning. She had XXXX   call me XX/XX/XXXX she said she would print the check, but it would take overnight processing. Seems XXXX  should have ordered on Friday and it could have been mailed Monday. I received a call from XXXX   XX/XX/XXXX stating she overnighted the check. I received an email with the tracking number, but did not receive the check today nor does the tracking number pull up on the United States Postal site. They have had our Insurance draft since WednesdayXX/XX/XXXX XXXX XXXX. I have postal record to prove it. If they are going to keep our funds for a week and then keep an additional 10 % they owe us interest. They are holding thousands of dollars without paying interest, and consumers have a very hard time contacting them. They use stall tactics to hold the money longer. XX/XX/XXXX I was also told they ordered a home inspection to verify our roof has been replaced and someone would contact us within 48 hours to schedule an appointment. I was not contacted untilXX/XX/XXXXby XXXX XXXX and told someone would contact us in 48 hours to schedule an appointment. Again, not what Dovenmuehle told us. Our shingles were delivered XX/XX/XXXX, and our roof torn off, and completely replaced by XX/XX/XXXX. We have paid thousands of dollars in interest over the life of our mortgage. Why do they not have to pay us interest if they are going to hold our funds? This needs to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
So I have contacted transunion and XXXX  serveral times about inaccuracies they tell me its correct which is not the case. So I decided to reach out to the companies myself AND low and behold I get accurate information. So they lie when they say they look into stuff.

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 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX @ XXXX EST I spoke with XXXX  at SLS ( Specialized Loan Servicing ) & requested a copy of my complete mortgage payment history on my account. XXXX advised me that it would take them 1-3 days for them to process the request & 7-10 business days for me to receive it. On XX/XX/XXXX @ XXXX EST on my THIRD attempt ( transfer/disconnect on 1st try, transfer/transfer/on hold forever on 2nd try ) to speak with someone @ SLS to find out the status of my request I finally spoke with XXXX ( ID # XXXX  ) who advised me that on XX/XX/XXXX the document I requested was mailed. On XX/XX/XXXX@ XXXX EST I called again & spoke with XXXX ( ID # XXXX ) and advised him that I still had not received the document he advised was mailed on XX/XX/XXXX. He advised me again that it was mailed on XX/XX/XXXX. I told him that I want another request put in to mail me my complete mortgage payment history & I want to speak with a supervisor. He put me on hold & told me that he has escalated my request to a supervisor ( XXXX ) as well as that department ( sometimes SLS refers to it as the customer resolutions dept & other times SLS refers to it as the customer support dept ) & will have them re-send. He advised me to call back tomorrow before XXXX   EST ( XXXX  would be leaving at XXXX their time ). On XX/XX/XXXX @ XXXX EST I called & requested to speak with XXXX in the customer resolutions dept. I explained to XXXX ( ID XXXX ; XXXX   works for National Bankruptcy Services - she advised me that this company answers all of SLS 's calls & try to help people as far as they can ) that XXXX sent an email to XXXX & I want to speak with XXXX. XXXX  advised me that she would put me on hold & would check on me periodically to make sure I was still there until she got a rep from SLS on the line. The next person who got on the line was XXXX, I explained to her that XXXX sent an email about my situation. XXXX said she works in the customer support dept & that the only XXXX is in her section. She said she would walk over to see if XXXX was available. When XXXX returned to the line she advised that XXXX was in a conference & not available. She advised me that XXXX told her to let me know that she would call me back by the end of the day. I advised her that if I did not hear back from XXXX  by the end of the day I would be filing a complaint with the CFPB ( your agency ). I have since given them THREE more days to call me back & to date, no calls & I still have not received the requested document in the mail.

I have the phone calls from XX/XX/XXXX & XX/XX/XXXX recorded on an app called callX

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 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been receiving calls from MCM OR XXXX XXXX XXXX XXXX They start calling my phone at around XXXX  every day. They call my work phone over ten times a day. And after they call my place of employment they call my cell phone. I have asked them to stop calling but it is so aggressive Im done. Yes I acknowledge the debt. But at this time I am not in a situation to pay for it. I explained this to the original debtor which was XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been trying to renew my Income Driven payment plan since XX/XX/2017. My income went from 19. hour to 14. hour I have called every month since the above date.

Every time I call I speak with a different person who insists that my account will be brought up-to-date That still has not happened.

I want someone to please help me with this problem I am having with the Navient Student loan agency.

Please let me know what I can do to become part of this class action suit.

My email address is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: NE

Complaint narrative:
I turned in my leased vehicle early inXX/XX/XXXX. I returned it to the dealership where I leased it from -- XXXX XXXX  in XXXX, CA. The lease was turned in approximately 20 months early. I paid off the remaining payments owed on the lease to GM Financial -- the leasing company. At a rate of $ XXXX/month, the approximate lease payoff to turn the vehicle in early was {$2100.00}. I paid {$2200.00} to GM Financial as a payroll -- slightly overpaying to cover any small interest amounts that accrued.

Since then, I've attempted to get the lease fully settled and a refund of approximately {$30.00} issued to me. In XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX to request the small refund. XXXX advised me that a final bill wasn't generated yet however he would request one. He did however generate a letter for me saying I owed {$0.00} on the lease. I never heard anything from GM Financial since. Today, onXX/XX/XXXX, I called GM Financial again asking for a refund. They advised me there wasn't a refund due. I asked for a final bill showing how the {$2200.00} was applied, and they advised me that one wasn't generated yet. The representative on the phone advised they would request a new one however couldn't at all tell me how long that would take.

Lastly, I received a new car registration in the mail dated XX/XX/XXXX issued by the State of California. The document shows me still as the registered owner despite turning in this vehicle back in XX/XX/XXXX. It's clear to me that they still haven't updated DMV records to reflect them taking the car back

Company response to consumer: Closed with non-monetary relief