vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received a notice from Ocwen Loan Servicing saying they had discontinued the service that had made automatic payments from my bank account via ACH. This notice came very close to the time my payment was due and contained a form to initiate ACH payments. I filled out the form and returned it the day after I received it and before the next payment was due. Ocwen rejected the payment saying I had to pay the loan 30 days in advance for them to activate the payments. This was something I did when I originally set up the Automatic ACH payments they just discontinued. The issue was escalated to an " escalation manager '' who suggested reversing the extra principal payments to allow the ACH payments to be set up. He did this and then told me I had to go to their website to set up the payment. Their website will not allow me to log in, allegedly because the zip code does n't match the loan number on the account. The Zip code and account number were entered as instructed by Ocwen. I have sent them multiple letters and they reply with a form letter telling me to enter the correct information. In doing this, they have caused many of mortgage customers to be late on their payments and if they did this to thousands or hundreds of thousands of customers, they have heavily profited from their inappropriate actions and the extra payments provided them with a very large boost of capital that may or may not be actually benefitting the customers accounts. So Ocwen said they would n't make any more payments that had been ongoing via ACH for years and in the same letter said I could set up an ACH Payment but ONLY if I pay them payments that are n't due for a month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BAM Financial, LLC
State: NJ

Complaint narrative:
West and associates continues to call me and my fiance about a debt that is n't even mine. They can not prove the debt they claim is mine belongs to me. XXXX XXXX thearten me and called me XXXX. He said he would come to my place of employment.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MFP, inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX in Florida is also known as Financial Credit Services. They are both the same Collection Agency. I have never received any notification by mail that I had any Medical debt with this Collection Agency ( s ). Therefor I did not even receive any notice of my rights to dispute. In addition, XXXX XXXX XXXX did not disclose any communication that this was an attempt to collect a debt. I did not know this company was reporting multiple and duplicate Medical collections until I pulled my consumer credit reports from all three credit agency 's. At that time, I took my legal right with XXXX, XXXX and XXXX and disputed them. Over the last 60 days they were deleted from Credit Reports only to find out GulfCoast Collection re-reported the same collection back on my Consumer Reports under their other company name, which now shows as an entirely new collection with XXXX and the others. This has reduced my FICO score substantially where I now find myself in a serious negative situation with banks and lenders not to mention it is impossible for me to now purchase a home. I am XXXX and even tried to resolve this directly with the company only to be treated unethically, unprofessionally and talked to in a threatening manner. They refuse to cooperate and work with me to resolve this matter in any way what so ever.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: NJ

Complaint narrative:
On XX/XX/XXXX I leased a XX/XX/XXXX diesel Volkswagen from XXXX Volkswagen dealership in XXXX, New Jersey. I chose the car because it was advertised as " clean diesel '' which turned out to be lie. In XX/XX/XXXX, the court approved Volkswagen terms to compensate the owners as well as those who are leasing. I decided to end my lease as per the agreement approved by the court. The car was returned to XXXX Volkswagen dealership on XX/XX/XXXX. My last payment was made on XX/XX/XXXX, which was for the month of XX/XX/XXXX. I also received a check from Volkswagen as per the court agreement to compensate early termination lessee. To my surprise, I continued to receive payment statement from Volkswagen. I reached out to them on XX/XX/XXXX and spoke to XXXX who then transferred me to a representative by the name of XXXX. I informed both of them that my transaction was completed and gave provided the claim number that shows that I returned the car. On XX/XX/XXXX, I reached out to the company again because I received a notice that threatened to report the late payment to credit bureaus. I explained to them this must be a joke because I made all necessary payments and the car was returned to them. The representative and the manager whose name is XXXX said they were going to look into it. Once again, I continued to receive payment statements and Notice of Default and right to Cure New Jersey. This is bullying tactics by a company who is attempting to victimize and defraud me twice. They are attempting to ruin my credit because I chose an early lease termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
M & t bank customer service Claims a credit card can not be issued without a chip. The card is constantly denied! Poor customer service with XXXX, XXXX and XXXX. Refused give me the president!

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 2015-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: LMS Services, Inc.
State: TX

Complaint narrative:
Debt collection firm at phone number XXXX calls to say they have legal documents to be served and that I can avoid legal action if I was to resolve the debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
XX/XX/XXXX I called Toyota Financial Services in order to defer my lease payment for that month as I had done in the last 6 years. When the payment was not processed correct, there was back and forth phone conversations which I initiated, and Toyota assured me things were being taken care of.After getting multiple answers from different people I faxed in the requested paperwork. I made my payment for XX/XX/XXXX as normal. Then, in XX/XX/XXXX I purchased a new vehicle from a XXXX dealership. The cashiers check was shipped on XX/XX/XXXX and the check arrived at Toyota 's payoff center on XX/XX/XXXX. The XXXX receipt shows the address as well as the name and signature of the person who accepted the payoff payment. It was n't until about a week later when Toyota Financial called my work extension to say that I was over thirty days late for my payment. This started a vicious cycle. Since XX/XX/XXXX, myself as well as my husband have called numerous times in order to get the issue taken care of. We have done everything requested by XXXX. Filed a massive amount of paper work, faxed over copies of the check, as well as who signed for the overnight delivery of the payoff for the car. We 've provided all the necessary information needed in order to handle this situation and there is still no avail. We 've been given the run around for over five months, and Toyota has since reported us late to all three credit agencies on two separate occasions. Each time I call in with a reference number or employee ID I can not be transferred to the same employee. Each time we call in, its a different story. Currently, my me and my husbands credit is being negatively impacted as Toyota still shows an outstanding balance, and says that we are over 60 days late. I have not owned the car in well over 6 week, the payoff amount was verified more then once. Toyota at one point told us that they were process the research for where the check was ; only to have someone else tell me they 're not even sure they have a check. I can not talk to the credit department, as they only give me an address to mail a letter in.There is no more that we can do in order to fix this situation. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services ( TFS ) calls us incessantly from various outward-bound Call Centers using FAKE Direct-Inward-Dial Numbers. Furthermore, they are calling a distant family relation at : XXXX - which they have no right to do as they are not a party to the purchase contract. I would like TFS to CEASE AND DESIST all collections activity with my distant relatives ( XXXX XXXX ) and only communicate with my wife and I directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Quality Lenders Inc
State: SD

Complaint narrative:
I had taken out a loan with Quality Lenders and my grandmother passed away, I came home after services to find out the company I worked for had decided to let me go. I explained this to them and said I would pay as soon as I could. They never offered me a settlement on the debt, they also never offered a payment plan. They harassed me on XXXX as well. The girl 's name was XXXX and her XXXX said " XXXX XXXX '' with the information for Quality Lenders, they violated my right to privacy by doing so. They would comment on pictures that all of my friends and family as well as potential employer, and anyone who might look at my XXXX page see. I had to block three profiles. It is now in the courts. I paid XXXX before I left home. The balance should have been about XXXX. I got a paper in the mail for nearly XXXX. The companies have since closed in South Dakota. I feel that I have been harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMRON PROFESSIONAL SERVICES
State: NE

Complaint narrative:
My information was compromised on a XXXX government job website XXXX years ago. Since then I been receiving non stop calls about debts that I owe. But I do n't owe anything. They wo n't stop calling. They state that they are going to turn it over to the state attorney, and I am going to be locked up. They call all my family members, harassing them. I have yet to see anything officially in writing by certified mail. They call me from XXXX, XXXX, XXXX XXXX, XXXX, if not these number change with an automated message. APS is the collection agency I guess. XXXX that calls in regards to account # XXXX. Account number has been associated with a couple of these numbers but different voice messages.

Company response to consumer: Closed with explanation
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: CITIBANK, N.A.
State: PA

Complaint narrative:
CitiFinancial is reporting a very old account on my XXXX, XXXX, and XXXX credit reports. I do not owe Citifinancial any debt. This is just harassment form them to keep reporting this on my credit reports. I have no interest in their industry standards or company policies. Citi needs to remove these accounts from my credit reports immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ

Complaint narrative:
Started the refinance of home mortgage process with cash out option on XX/XX/2016. Necessary documents were submitted by XXXX. After initial review, got good faith estimate with loan amount and closing cost. Based on this estimate, a deposit of {$350.00} was made towards appraisal. Appraisal came with lesser amount by {$5000.00}. Agreed to reduce the loan amount to that extent. However, got a revised estimate which was less by {$30000.00} and with additional closing cost towards points etc. In between got numerous revised estimates with different loan amounts and closing cost. It took more than 2 months to reach any definite closing document. Hence, want to get back the deposit of {$350.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Livingston Financial, LLC
State: OH

Complaint narrative:
The debt collector won a court case against me without me being served with any kind of court papers back in 2012. And got a amount awarded of XXXX and XXXX in court costs for a total of XXXX and is now garnishing my wages at 25 % till a total of XXXX is collected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a customer of wells Fargo for over 5 years. I noticed that as soon as i decided to have my check direct deposited I was being charged fees that was unwarranted. I believe wells Fargo deliberately sequenced my checking account to reflect me not having enough in my account to cover minor transactions so they could charge me overdraft fees. Now they said my account was not eligible for overdraft service so why am i subject to those fraudulent fees.

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 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a collection letter saying that I owe {$260.00}, from an outstanding debt with wells fargo in a checking account # XXXX which was transfer to XXXX XXXX XXXX XXXX XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted wells fargo directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Loans purchased my mortgage in XX/XX/XXXX. I was making payments to them from their online system for XX/XX/XXXX and XX/XX/XXXX of this year with no issue. I set up my XX/XX/XXXX payment to be paid on XX/XX/XXXX, and instead they sent the payment through on XX/XX/XXXX. I contacted them when I noticed they were causing my bank acct to go negative on XX/XX/XXXX. I contacted WF and was told to stop payment at my bank, and gave me a fax number to reimburse the NSF and savings transfer fees. I was then told by them that the payment would go through a few more times and there was nothing they could do to stop it even if it is their fault. My bank sent the transfer back to WF and asked me to contact them to make sure they would n't send it back through. I called WF on XX/XX/XXXX to ensure it would n't go back through and was told that as long as my bank stopped payment it would not come back through. Today XX/XX/XXXX, it was put back through as a retry. I again contacted my bank who will return it, but will only do so if it makes the account go into a negative status, which is the case this time. I called WF once again, and they told me to have my bank return it, and he talked with his cash dept, and they said it would go through again a few more times and there is nothing they can do. He apologized for the inconvenience and there was nothing else they can do even if it is their error. I can fax the fees charged from my bank to them to have them reimbursed, but could n't assure me this would not happen again. I ca n't afford to continue doing business like this, and it should not be alright for them to act like it 's okay and nothing could be done. I am still out {$80.00} in fees from last weeks debacle, and now whatever fees from this week, and I still have other bills coming out.

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 2017-04-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I transferred {$650.00} using Wells Fargo Sure Pay to what turned out to be a fraudulent Wells Fargo account on XX/XX/2016. I reported it immediately to the Wells Fargo Fraud department. I also reported the incident in person at my local Wells Fargo Branch. I provided the results of my own research to Wells Fargo. As far as I can tell, there has been no investigation into the fraud. Wells Fargo seems to have dropped the case. In order to open a Wells Fargo account, the account holder must provide a Driver 's License or Social Security Number. The account was originated in the state of Colorado ( according to the routing number ). It seems to me, that the investigation of the person who opened the account would be a fairly simple process for Wells Fargo. I reported the incident to the local police, and to the XXXX as well.

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 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV XXXX. XXXX XXXX XXXX, Sc XXXX XXXX : Acct # XXXX ... 

To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$670.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was cancelled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Auto finance Direct received and insurance settlement from XXXX XXXX and took possession of a vehicle I had financed through WFF. WFF has reported a sum of {$7200.00} as charge off for the past several years, after receiving a settlement from my insurance and re-sale of the vehicle. WFF is now retaliating by putting the account back up for collection, because I have been disputing the charge off status. WFF is effecting me financial with their harassment, because I ca n't finance a vehicle for an affordable interest rate.

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 2017-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX and I entered a local bank to open a checking and savings account. I was told that I could not open those accounts because Charter One has a record of me with XXXX. I have never had any accounts with Charter One..I tried contacting them but was told that they were now Citizens Bank, and that they were n't in the state of Illinois where I reside. Apparently Charter One moved out of Illinois several years ago before being purchased by Citizen Bank. I would like for Citizens Bank to remove any entries from my XXXX report. I can be reached at XXXXXXXXXXXX or XXXX.

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: Clarity Services
State: VA

Complaint narrative:
Clarity Services accessed my credit report on XXXX on XX/XX/2017 which they say is in response to a request from some lender because someone used my name and identification to apply for a loan ... this is a fraud as I have not made any such loan request and my bank account has been hacked four times since XX/XX/2017..so I suspect this is part of overall identity theft ... .I can not pursue this fraud without the name of the lender which Clarity seems reluctant to provide ... I want an immediate freeze on Clarity from providing my credit information to any lender who may request it ...

Company response to consumer: Closed with explanation