vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 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: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
See Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See Attachments

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 2018-06-27 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: MIDFIRST BANK
State: AZ

Complaint narrative:
Hi, I have a checking account with MIdfirst Bank, this bank have debited my account without my permission and stole {$60.00} from my money. I have contacted them and they claimed that the money was in collection of my daughter 's account XXXX, who is disputing a transaction as fraudulent and un authorized and the dispute is still being investigated by Visa. They have closed my daughter 's account ( which I'm not part of it ) and charged my account for the disputed amount. This is plain theft and fraud. 

Regards, 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 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I received a notice of debt from California Business Bureau , Inc. about a bill that I partially paid and informed the clerk at XXXX that I was waiting on the second XXXX card less than 30 days ago. Having just returning from vacation on XX/XX/XXXX I received a letter dated XX/XX/XXXX. In the letter is states " If we do not hear from you within 48 hours from the date you receive this notice, we will assume that you do not intend to pay ''. This is a direct violation of FDCPA and further UDAAP causing a false sense of urgency, deceptive practices, and harassment. 

Engaging in behavior the natural consequence of which was to harass, oppress, or abuse the XXXX in connection with the collection of a debt ( 15 U.S.C. 1692d ) Using false, deceptive, or misleading representation or means in connection with the collection of a debt ( 15 U.S.C. 1692e ) Employing false and deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair and unconscionable means to collect a debt ( 15 U.S.C. 1692f )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
In XXXX of 2017 my vehicle was Repossessed, during that time the title was taken out of my name. 
I paid the fees to get the vehicle back and also signed paperwork to have the title returned to my name, I was going through a Divorce at the time and loss track of the matter. I recently went into my local DMV to renew my Registration and was told, I could not get the registration renewal because the vehicle was not in my name, I called Capital One Auto finance and they refused to give me a Straight answer, my Tags are Expiring  soon and I am driving illegally.its been a year since the vehicle was Repossessed and I still don't have a title, so I'm more or less Leasing this vehicle but paying, high interest 21.99 % and high late fees .... 
This had to be XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A.
State: CA

Complaint narrative:
Paid bill from flexible spending account last year approx XXXX. Received notice from Scheer, Green & Burke, co L.P.A on XX/XX/XXXX That it is now in collections. My flexible spending company " XXXX XXXX '' deleted my account when my files were being transferred to a new insurance. XXXX XXXX is investigating and the new company " XXXX XXXX '' is investigating as well. I've called the law office 3 different times and left messages. No call back. I talked to the receptionist on the 4th attempt.  They had me hold for my case representative but said they were busy. They asked if I was ready to pay. I told them the bill was paid. He laughed at me and then said there wasn't a case representative and did not allow me to speak with anyone else. I told them I was attempting to get proof of payment. As the letter they sent states, they haven't confirmed this amount is actually owed. The receptionist became very aggressive and I let him speak. I asked that he not hang up on me because he was getting upset. He said " XXXX, no one said anything about hanging up on you ok. " They would not let me speak and would only let me setup a payment plan. I asked how long I had to gather documentation of payment and asked what would happen next. The male receptionist said " Well 'honey ' you're gon na have to pay it. '' I asked to hold for my account representative and then he hung up on me. There's been no answer or return calls since then. 
When calling the actual company who says I owe ( XXXX XXXX XXXX XXXX XXXX ) it goes to a pathology department at a hospital and no one knows who this person is. The date of service for this bill is XX/XX/XXXX.  I had no medical procedures done on our around this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
My mortgage was handled by XXXX XXXX XXXX when we received the load it was then transfered to freedom mortgage. Somewhere along the way and neither one of them know. {$1600.00} vanished from my escrow account. Now I have to pay it back or my payment will jump {$150.00} per month. I paid the check today although it will put us in a bind for a while.

I've called them three times to deal with this. 
It's pretty simple I pay {$3000.00} a year taxes/insurance/fees I pay XXXX month in escrow which equals {$3100.00} there is no way I'm missing XXXX in escrow I have had for 2 two years.

I see online that both companies have been in trouble for shady policies in the past. How is this stuff still possible after the shady mortgage problems in the last ten years.

How are these companies still allowed to even transfer loans like they do. 
I want this looked at since apparently I'm told a lawyer will cost me more than just giving them the money like I have to do. 
Thanks

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 2018-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Please see the attached document with all the facts. 

XXXX XXXX XX/XX/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 2018-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: SD

Complaint narrative:
I was on XXXX last year and because I didn't file 'Married but separate ', they denied me XXXX. So now I'm stuck paying {$610.00} just to see if I qualify for other repayment plans. They won't even tell me unless I make that ridiculous payment. I can not afford that payment since I already pay another private student loan. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I purchased furniture From XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Maryland for the price of {$140000.00}. With a 3 month payment plan. I was told after the 3 months I would be charged interest, however the exact amount was not determined. They simply said no interest for 3 months then it could be up to % 50 interest. Prior to the One month into the furniture purchase the loan company, ACIMA charged {$3000.00} loan against my credit! I did not borrow {$3000.00} and it was reported as a loan against my credit without my knowledge before their 3 month deadline. I contacted the company and they said that is standard. It is not, it is a lie! This {$1400.00} loan that appears on my credit as a {$3000.00} loan with their inflated % XXXX interest caused me to be denied housing assistance by XXXX and lowered my credit score 200 points. Also the company, ACIMA, emailed me a fraudulent contract which I NEVER signed or agreed to saying I agreed to pay {$3000.00} for {$1400.00} furniture, I DID NOT! The electronic signature is false and is not my signature. Furthermore, I still have the copy of the original agreement that I signed along with the furniture representative. I would like ACIMA to take this {$3000.00} off of my credit and adhere to the original agreement with reasonable interest, since I did not borrow {$3000.00} in the first place. This practice is predatory lending and downright theft, it must be stopped. It is FRAUD! Everything is based on credit scores in America and the idea that a company can put a false loan on a persons credit is scary and disturbing IT IS CRIMINAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX a " Validation of Account '' memorandum was sent to PINNACLE LLC XX/XX/XXXX with a Certified Mail Receipt ; [ tracking # XXXX ] receivedXX/XX/XXXX. 

PINNACLE LLC XX/XX/XXXXresponded XX/XX/XXXX8 ; ( 38 ) days after receipt of memorandum for Validation of Account. This is ( 8 ) days past the ( 30 ) day limit under the Fair Credit Reporting Act. 

PINNACLE LLC XXXX and its XX/XX/XXXX response " did not '' validate the account ; they only sent a copy of the bill, with no supporting documents such as signature on a application for service or contract he may or may not have signed. 

PINNACLE LLC XX/XX/XXXX sent a copy of the original bill with no proof of where or when the contract started or where service was established. 

This failure to respond within the ( 30 ) day limit as well as failure to validate this account are contrary to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I had a foreclosure that was closed on XX/XX/12 and the account shows a date of last action and closed as of XX/XX/12 but they are reporting new late pays every month.I have tried correcting this issue by contacting them and going to the credit bureaus but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I went to a XXXX store in XXXX XXXX to ask about some offer they were having, the XXXX person convinced me to check my credit for the product I was interested in, on the promise from her that it would be a soft credit check that wouldn't generate an inquiry. XXXX minutes later I had an alert from Experian that I had an inquiry from XXXX, after being promised that that wouldn't happen.

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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Dear CFPB, Thank you for allowing me to submit this complaint. 
Ocwen Loan Servicing LLC recently submitted to XXXX a credit reporting agency that I was XXXX days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. 
They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from Ocwen acknowledging their payoff. 
So this is absurd! And it is now on my credit report wrongfully and needs to be removed. 
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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had an account that i payed on time every month but they are showing 2 late payments on my credit report. I have tried correcting this issue with the company and the credit bureaus but had no success.

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 2018-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a total of 8 student loans on my credit report, only 2 have been  validated. On XX/XX/2018 I mailed a certified letter to XXXX College to seek validation of the debt they are claiming I owe and I never got a response.I attended XXXX XXXX College around the time XXXX College is stating I took out a loan. I allowed them 30 days from the date of the receipt to provide me an original copy with my signature on it. They have failed to comply and according to the Fair Debt Collection Practices Act I have the right to request validation of the debt XXXX College is saying I owe. Also I have another issue with XXXX XXXX College, I have been contacting them to provide me with original copy with my signature on it as well for the loan they are saying I owe. I am requesting proof that I am the party you are asking to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I received a promotional mailer for TD Bank at our house address. It required a minimal amount of money direct deposited to a new TD checking account in order to receive {$300.00}. My wife and I went into the TD Bank XXXX, SC location on XXXX XXXX. and met with the ( branch manager? ) XXXX. We brought the promotional flyer in and setup our Checking and Savings accounts accordingly. We exceeded the minimum monthly direct deposit for many months. Around XX/XX/XXXX I stopped in the bank ( XXXX location ) and spoke with XXXX - who confirmed that we had met all the eligibility requirements, but were now just waiting for the credit - and that it could take some time. I accepted that as an answer and moved on. On XX/XX/2018 I called the XXXX branch and requested information about where the credit is - since enough time has passed for TD Bank to honor their end of the deal. I was told I would receive a call back - which never happened. I called today ( XX/XX/XXXX ) and spoke with XXXX XXXX - who could not provide any information about where my credit was or what was going on. I insisted that I speak with someone else and got a different number which led me to XXXX ( XXXX, SC office ). She informed me that she had looked into this matter and had attempted to call me at the end of XX/XX/XXXX. She told me she left a message, but I have not received any proactive communication from TD Bank regarding this situation. The bank has my email address on file, but I never received an email. They also have my correct physical address on file, but I never received a letter. XXXX also informed me that " the customer did not receive a mailer '' was the response she received from TD Bank research department. This SHOULD have been something caught when we opened the account in-branch ( with the flyer in hand ) for this specific reason. I requested to escalate this higher and XXXX gave me the number to XXXX XXXX. I called him and he is not available. I have several other local bank accounts and this bank is the worst. They are slow, have terrible customer service, don't call you back - and nobody seems to know what is going on. My wife and I signed up as NEW TD BANK CUSTOMERS just because of this bait and switch offer that they are not wanting to honor. On XX/XX/XXXX I read this complaint to XXXX in order to verify that all of this information provided in this complaint is as accurate as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My account was purchased from XXXX XXXX by Citibank. I make autopayments and have the account set up with alerts and did not know this happened. I was called when the payment was late and that is how I found out. I was told that I owed around {$160.00} when I only had one payment due of around {$56.00}. I was told there was a late fee and that would be removed due to bank error but would be credited. I was also told that the " XXXX '' cycle had started and I had to pay that too. I have a perfect payment record with XXXX. I did not want to be reported as late so I signed on the website to set up the new account. There was nothing anywhere telling me how much interest they were charging on what balance, nor anything showing what was included in the amount due, {$160.00}, no itemization for late fees, nothing, no disclosure, just the requirement that I pay the full amount due. I did call before this and was told that the late fee was removed and I could just pay the amount due. They kept explaining to me that they had just bought the accounts last week and were not able to transfer the auto payment information. I do not understand why they would not have to show the interest rates and balances to which they are applied. The old account is closed, I do not have online access anymore.

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 2018-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I have been sending about {$300.00} monthly to a XXXX XXXX in XXXX for over a year. Sometimes, if they have an emergency like someone is sick or i jured, I will send more. This was after getting to know the head pastor and and assistant pastor over XXXX XXXX and phone calls and texts. I have seen many, many, many photos of them leading XXXX services and revivals. I have spoken to them on video phone as well. Suddenly both XXXX XXXX and Moneygram REFUSE TO SEND my monthly gift WITHOUT EXPLANATION. I tried to send them {$600.00} recently to buy an Air Conditioning unit for ther church because their old one died. It has been over 120 degrees Fahrenheit in the daytime in XXXX XXXX where they live!!! PEOPLE ARE DYING FROM SUCH HEAT!!! But both XXXX XXXX and Moneygram have REFUSED TO SEND MY MONEY EVEN WHEN I BRING IT TO THEM IN CASH!!! I want the servce they OFFER EVERYONE ELSE!!! There are severe limitations to who offers such services to XXXX. I can not just pick another service! I served my country 28 years and held a XXXX XXXX XXXX, why am I being singled out for NO SERVICE?!? Or do they just not like people of XXXX or XXXX!?!!! The pastor in XXXX has visited the USA several times and is friends with the ex-governor of Arkansas, XXXX XXXX. How is a XXXX XXXX deserving of such abuse!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: STERLING BANCORP
State: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX, USA ) was recently taken over by Sterling bank and they are now going to charge XXXX $ a month for mailing paper bank statements. 

This is my mother 's bank account. She is over XXXX and has had a XXXX. She doesn't have email, nor can I teach her how to appropriately deal with the electronic records. 

Physically changing banks is hard for her due to mobility issues - she has been banking there for 50 years and it is close to her. 

I am sure a " reasonable '' fee may be charged, but this doesn't seem like a " reasonable '' fee to me. 

We tried talking to the bank but they don't care - she doesn't really have a large account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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 — Problem with personal statement of dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI

Complaint narrative:
I did an online dispute and the info and amount changed, someone made a {$19.00} dollar payment, but it wasn't me. There seems to be some type of fraud etc. going on. I pulled a report today and it shows different than the report I pulled on the XXXX. The reporting is still inaccurate and incorrect. The XXXX of XXXX, and their collection agency weren't able to explain the XXXX loans, the amounts, dates, times, etc of the loans that they said I owe, plus they couldn't explain what was applied that I already paid to the loans. Please see attachments.

Company response to consumer: Closed with explanation