vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
I learned recently ( by an credit score alert service ) that COMMONWEALTH FINANCIAL SYSTEMS has entered a collections account with two of the three credit bureaus, bringing my credit score down by more than 200 points ( on the one I can monitor ) I have been working very hard to get my score where it was, for this to happen all of a sudden and out of the blue. 
They claim to be collecting {$1200.00} for XXXX XXXX XXXX XXXX, XXXX but I called them and after checking they assured me they have never had any account under my name. This has to be a mistake. 
I have disputed this with the credit bureaus, but they haven't ruled in my favor, so I am entering this complaint. I don't recognize this debt, they claim it was originated in XXXX but I haven't gone to the doctor 's and not paid in a long time! Years. 
I got sick in XXXX with XXXX XXXX syndrome and my health insurance company back then claimed it was a pre-existent condition and didn't pay any of my bills, so I had to default on my credit cards and left all my medical bills unpaid. I'm thinking this could have been originated back then, maybe, but ... I don't recognize the amount, nor the provider, and if somebody sent me to collections about this I was never notified or given the chance to work something out before they did it. 
I researched this debt collector and they have a long history of buying old debt and re-dating it to try to collect, I don't trust them one bit. 
I think this is a mistake, I don't owe this amount to these people, I am asking this to be erased from all my credit reports. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: FL

Complaint narrative:
Citi XXXX will not protect the card holder I placed a dispute on XX/XX/2019 and XX/XX/2019 : in the amount of {$260.00} / XXXX XXXX XXXX XXXX XXXX XXXX : the veterinarian NEVER examined by dog, and based on a cough said my dog had XXXX XXXX : Put her on seven different medications. My dog became XXXX  and did not eat for four days. 

I took her to another veterinarian, and was advised if I did not stop the medication I would kill my dog because she does not have XXXX XXXX nor is XXXX XXXX XXXX a XXXX. To diagnose XXXX XXXX there are test that need to be done : XXXX XXXX XXXX / XXXX XXXX body cavity and others : before doing theses test your dog has to have signs of XXXX XXXX with the following : XXXX XXXX XXXX, tiring on exercise / weight loss / XXXX XXXX, XXXX XXXX XXXX, XXXX discoloration of the XXXX and XXXX ; she none of these systems. 
XXXX XXXX XXXX took complete advance of me being worried about my dog and without sleep for 2weeks. What my dog had was bronchitis : When Citi XXXX dined my first dispute, I resubmitted it the dispute and requested they asked XXXX XXXX XXXX to provide testing for diagnose XXXX XXXX. Citi Costco refuses to request for it and said I should provide it. 

I then wrote to XXXX : they assigned by case to XXXX XXXX. 
This man had the audacity to give me advise, I did not know he was a therapist. 
He then says there not detectives and would not ask for proof of testing, I should provide from the other doctors in their letter head that she does not have XXXX XXXX. 

They want to further inconvenience the card holder and add me stress they I have had to get all these documents. When all they should do is ask XXXX XXXX XXXX for proof of testing. 

I have been a loyal customer and a good one, I can not say the same for Citi Costco : I want everyone to know that they will NOT protect you in anyway.

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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax refuses to honor my rights under the Fair Credit Reporting Act. Equifax has failed to provide a written update within 45 days as required. There are XXXX accounts appearing on my credit report that should not be there. Specifically, there are XXXX XXXX XXXX XXXX and XXXX XXXX account. These accounts are not mine. The details reported around balance and payment history do not belong to me. Despite reaching out the credit reporting reporting agency more than 16 times, they have not taken the required action or complied with regulatory requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, attempted to pay Wells Fargo an annual fee of {$30.00} due on a secured credit card I have but the teller refused to accept the payment stating that the fees due were in the amount of {$60.00}. She suggested I call Customer Service which I did and was told that I had an additional fee of {$30.00} but could not explain why this fee was for interest on my bill. On XX/XX/XXXX, XXXX, XXXX, and XXXX I explained that I did not use my card so how could I be charged interest. The representative then told me I was charged a {$5.00} late fee. I have had several other issues with this company charging late fees and over billing before but eventually the charges were dismissed. 

On the third of XXXX I spoke with the Credit Card department and they refused to correct this error. i was transferred to Customer Service where i lodged a complaint regarding this issue. The representative said it was the Banks fault and told me he would remove the fees including the annual fee. I've had problems with this company before therefore I always check back a couple days later making sure charges have been removed but as usual the {$60.00} charge is still on my card.There are XXXX different card number that stemmed from a chard that I denied, not only did Wells Fargo not take off the card number they add the charges back to my card like I never called here r the numbers { 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 monetary relief
Consumer complaint received 2019-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I RECENTLY SETTLED A OLD CHARGE OFF ACCOUNT WITH XXXX THAT WAS DUE TO FALL OFF MY CREDIT DUE TO IT WAS AN OLD DEBT FROM 7 YEARS AGO I AM IN THE PROCESS OF PURCHASING A HOUSE AND WAS ADVISED BY MY LENDER THAT THIS ACCOUNT WOULD NEED TO BE TAKEN CARE OF I CALLED AND SETTLED THE ACCOUNT WITH XXXX. I PAID AND SETTLED THIS ACCOUNT IN FULL AND FORWARDED THE LETTER TO ALL CREDIT BUREAUS TO REFLECT THE ACCOUNT IS SETTLED AND TO REMOVE THE ACCOUNT FROM CREDIT, I KEEP GETTING THE RUN AROUND THE CREDIT BUREAUS HAVE UPDATED WITH A BALANCE ON THE ACCOUNT WHEN IN THERE IS NOTHING OWED. THE ACCOUNT NEEDS TO BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Been calling for about a week now.. I was trying to get National Credit System policy in write they refused to apply.. We have call about the debt we ask could we make a payment plan and XXXX XXXX said that all we have to do is make a payment and it would put us in a payment plan but to be honest the debt will be dropping off the credit in XXXX .. But we was try to still pay on it to show good faith about the account.. Well long story short we have talked to several people even the caseworker he was rude and very loud with us. Several of the worker was rude and always went back to its their policy that they dont not accept payment plan.. And when ask can you show me in your policy where this says that in a email they refused and when ask for a printout of the recording for each conversation we had with each employee about this debt the phone was hung up.. Tried call back the same thing we called like 20 times to get a response nothing and sent several email no response. So I need to know my next step..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECENTLY SETTLED A OLD CHARGE OFF ACCOUNT WITH XXXX THAT WAS DUE TO FALL OFF MY CREDIT DUE TO IT WAS AN OLD DEBT FROM 7 YEARS AGO I AM IN THE PROCESS OF PURCHASING A HOUSE AND WAS ADVISED BY MY LENDER THAT THIS ACCOUNT WOULD NEED TO BE TAKEN CARE OF I CALLED AND SETTLED THE ACCOUNT WITH XXXX. I PAID AND SETTLED THIS ACCOUNT IN FULL AND FORWARDED THE LETTER TO ALL CREDIT BUREAUS TO REFLECT THE ACCOUNT IS SETTLED AND TO REMOVE THE ACCOUNT FROM CREDIT, I KEEP GETTING THE RUN AROUND THE CREDIT BUREAUS HAVE UPDATED WITH A BALANCE ON THE ACCOUNT WHEN IN THERE IS NOTHING OWED. THE ACCOUNT NEEDS TO BE DELETED.

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 2019-08-23 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have both PayPal credit ( where funds come out of checking ) and a paypal mastercard. I noticed that I was being double charged for items/services ; one via credit and one via mastercard, when i tried to get this rectified the customer service rep for mastercard said she did not see the charges showing on my credit where as when I spoke to paypal ; not paypal mastercard, it was clear that both charges were visible.

There is a discrepancy between the two entities, on my end I can see both charges on both accounts ; I took screen shots, did the calculations and there is no question I payed for both charges via paypal credit. Why should I have to pay via paypal mastercard. I feel this may of been going on for a while without my knowledge because I do tend to be really oblivious, but always felt my bills were higher than they ought to be, this is the first time I investigated.

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 2019-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: SC

Complaint narrative:
Hi, To START, the death of borrower. I inherited the property securing the loan. Went thru probate, everything to assume the loan. The loan continuously remained as an estate even after countless times of trying to assume the loan. So I continued to struggle to make payments. I got sick back on XXXX XXXX. It was initially thought to be a temporary XXXX. 

2 years ago I almost lost my home. It was the judge that told me where to seek assistance after being 12 months behind. He referred me to the SC Helps.gov. They paid my mortgage for 2 years to give me the opportunity to seek additional income or be able to return back to work. Since then, I've been declared 100 % permanent XXXX. 

I used the papers that XXXX presented in foreclosure court stating the death of the borrower.Finally, they did add my name to the loan. I had to apply for an assumption although I had presented the necessary probate papers over and over in previous years. 

The application asked about the condition and worth of the home. I did provide the information of owing $ XXXX however the value is much much more than that. 
I applied AGAIN for help. 
This time I was denied help, but was offered a statement to sign to surrender my home. It said I HAD to sign. I panicked and discarded the letter. I did not want to feel pressured to sign that form. They also said I had over {$3100.00} is monthly debt so I had to surrender my home. I do NOT have {$3100.00} in dept. 
I didn't sign ... .and threw that paper away. I just want a little relief. They won't even try to help me. 

During the years, XXXX had denied request for help as- Death of Borrower- not eligible for modification, insufficient income and death of the borrower, over and over again stating the only option is to -surrender the property to them. 

I've exhausted the SC Help funds. I just need a little relief. a permanent little relief. Paying over {$1000.00} is so intimidating. If I could just get it under {$1000.00}. 

They won't even let me try a modification. 

Thank you for your time in reading my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
Homebridge financial Services , Inc serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XXXX of XXXX of XXXX The mortgage loan has been recorded in the XXXX XXXX with the mortgage identification number of XXXX. 
Since we did not have any legal business relation with this servicer I need to know the following information : 1. Was Homebridge Financial Services licensed as a mortgage loan servicer in Texas in XX/XX/2015? 
2. Who was the borrower of the fraudulent mortgage loan? 
3. When was the mortgage note executed? 
4. When was the mortgage loan account opened and when was it closed? 
5. Who is the lender of the fraudulent mortgage loan? 
6. Has there been a deed of trust executed in XXXX XXXX or anywhere else for this mortgage loan? 
7. What was the loan amount of this fraudulent mortgage loan? 
8. What type of mortgage loan was it ( FHA, VA, Conventional etc? )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
already have a complaint but i didnt know what to do, under XXXX i received a letter saying there is not enough time before sheriffs sale and wrote sayng the sales date is XX/XX/XXXX and under 12 C.F.G. 102.41 REGULATIONS OF XXXX XXXX THAT if it is withing 37 days before sale and although their letter is dated XX/XX/XXXX i sent it over XXXX and have proof giving it enough time i am scared i dont want to lose my home and they are doing nothing to help me i dont care what they say, i wrote XXXX XXXX XXXX a few faxes that is the guy who replied to my first complaint with you and he sent a letter dated XX/XX/XXXX saying they are there to help but they arent i need you please have a XXXX husband and nowhere to go

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent Specialized Loan Servicing LLC a qualified written request ( in the attached file ) because earlier that month I received a late payment notice although I sent in the payment as usual. The QWR was sent using certified mail with return receipt to the address specified on the loan statement ( in the attached file ). The return receipt was signed dated XX/XX/XXXX. I have never received any acknowledgement or response for my QWR. They are in clear violation of 12 U.S.C. 2650 and subject to fine that is due to me. Worse still, they started missing sending me monthly statements. 

I started to send them monthly payments using the payment service of a local XXXX store for fear of the repeat of XXXX payment. Payments through XXXX give me the record of the payments with the date on it. 

In an effort to clear up the issues of missing statements and make sure that all the payments and charges are accurate, I sent another qualified written request via certified mail to Specialized Loan Servicing LLC on XX/XX/XXXX ( in the attached file ). The return receipt was signed on XX/XX/XXXX. Again it fell on deaf ear. They completely ignored my request. I have not so much as received a letter of acknowledgment. 

I started to send in payment using certified mail since XX/XX/XXXX using copies of my old payment stub ( in the attached file ). On the copies of old payment stub included with the payments, I have asked them to send me monthly statement and send it to the address that has been in use. Again, I have received no statements. 

Specialized Loan Servicing LLC seems to be an especially bad example of a loan servicer. I pay the loan and did not get the service I deserve and not to mention required by law. I do not even know where my money went at this point.

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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
To whom it may concern : I had a problem with XXXX. I had family members on an account and we had trouble understanding each other when it came to the responsibility of paying the bill. I decided to cancel The account after not having the & to pay the bill monthly. Some phones were still under leased which made the bill super high. Intent phones were paid already. By the time the account was canceled the company sent me to the corporate office to return the phones still under leased. Thats where all began. No one was able to find my account and I had a HUGE bill. I went to three corporate offices and the account was nowhere to be found therefore they couldnt take the phones to credit the account. Few weeks after that I received notification XXXX sold my account to XXXX and they became my debt collector. After many interactions with them, they also sd they couldnt take the leased phones to credit the account and after scary talks about how this situation was going to harm me in the long run credit I worked a payment plan. I agreed to pay them the attached receipts. It wasnt until They took $ out of my bank without one of the agreed dates that I called and sd I no longer can trust them and no longer had $ to pay them. If they wanted to agreed on a last amount which I was going to do at that moment and thats it. The representative sd thank you and she was going to note the account. 
Them I started working with a credit repair company which is helping me with my negative items on my account and after I thought this situation was settled it happens that another company has the account. I Settled this account at whatever I was able to pay. Now this company is hurting my possibility of restarting my credit. Just bc XXXX did me wrong after being a customer for over 18 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have both a checking and savings account with Citizens bank in XXXX XXXX, PA. On XX/XX/XXXX, a charge of {$320.00} was 'pending '. There were 4 other, much smaller charges cleared after that. I was charged a {$35.00} overdraft for all 4 of them, even though the funds were technically still in my account! On XX/XX/XXXX the {$320.00} cleared, and I was charged another {$35.00} overdraft fee for that item!! A bank can not charge me overdraft fees for items I have the money to cover, while withholding {$320.00}, then charge me an overdraft fee for that charge when it clears!! They had already " held '' and accounted for that transaction!! This is absolutely horrible business!!! I demand either the first 4 fees reversed, since the funds were technically still in my account to cover them, or at the very least, I demand the last fee reversed, the one charged for the {$320.00}! This is simply the worst business practice I've EVER witnessed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX sent credit in my name to a lady in Kentucky now is reporting it as a {$650.00} credit line in payed this has been going on now for 2 years experian refuses to delete it I never had this card I filed a complaint. With the police in Kentucky they could not find this person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Hi, My complaint is with Loan Care.  My account was just transferred over from XXXX in XXXX  2019.  

My problem is that they do not use their "unapplied" account to hold incomplete mortgage payments.  Which I learned the hard way.

I was behind on my mortgage about 3 months.  I am XXXX XXXX so my income is not that consistent or timely should I say as things may happen with deals...

I made an arrangement to make 2 payments because that is what they would accept.  (Luckily in my job when I do get paid it's a lump sum but what about people that have regular steady pay and cant come up with XXXX in a mth...)  I ended up sending in the wrong amount by XXXX.  Instead of someone calling me they send ALL the money back to my account.  This in turn made the amount I had available for the mortgage Payment less because I had other automatic payments coming through my account but of course the mortgage is 1st priority.   This was my 1st payment with them so I had no idea they send incomplete payments back.  Not only that but you have to make 2 pmts at a time if you are behind instead of you being able to send what you have.  This also eliminates the option to pay your loan bi weekly  as I had been accustomed to.  It's a mess that I'm trying to fix.

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