vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the W.George Bush law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.

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 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my XXXX ) and payed down my credit card with a VA refinance loan. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.

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 2017-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC
State: AL

Complaint narrative:
Back in XX/XX/2015 I had taken out a Pay Day Loan with XXXX.The Loan was {$400.00} and about 2 weeks later I had gotten caught in a bind.It was some things I had to pay and I was n't able to pay the loan back.To get help it was a Validation company that I joined call XXXX They sent Validation letters to XXXX to see if they are licensed to do business in the state of Alabama.And several months later I had found out that they was n't.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: First Data Corporation
State: NV

Complaint narrative:
I visited XXXX # XXXX on XXXX/XXXX/15 I wrote a check lost my check a day later froze my bank account with XXXX and a few days after things had cleared I closed the bank account XXXX took my money I had earned using their reward program so I inquired why my {$29.00} had dissappeared I w as told it was for a check returned to contact a certain person I called left several messages no one responded so I was forced to file a XXXX complaint now working with someone in corporate that is taking care of the issue not even a couple of weeks later my checks are being returned from my new account I get a notice from TRS Recovery that Telecheck had blocked me from using my checks if I ever wanted to use a check again to pay {$48.00} that was for a {$23.00} check with a {$25.00} returned unprocessed check I tried to get TRS & Telecheck to remove the negative stuff from my credit while I work with XXXX but they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
I received the Astoria bank advertisement in the mail, which states if you open a new Simple Checking Account and make three or more online bill payments of {$25.00} or more during the XXXX consecutive months, you will get {$120.00} bonus. I opened a Simple Checking Account at the branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XXXX/XXXX/15. I maintain more than a minimum $ XXXX monthly balance and made XXXX bill payments of {$46.00} each for the XXXX consecutive months : XXXX, XXXX and XXXX, 2015. But I did not get a bonus. I called to the customer Service and branch regarding the bonus. They said I am not qualified. When I was opening my checking account I asked a representative when will I receive a bonus? She said after I make three payments. And now, she says I did not make XXXX payments. The ad states I should make XXXX payments. The company does not honor what they advertise. They mislead consumers and not follow their promises. Their service looks unprofessional. I will provide you with the attached documents as the proof of my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: HW Holding, Inc
State: TX

Complaint narrative:
I had a bad debt from an apartment move out. I offered to pay for what I felt I owed but the apartment company would not discount the final bill to what I felt was reasonable and covered in my lease. They sent the debt to collections. After several phone conversations to get the debt reduced to what I owed I was not successful. The last representative I spoke to offered me a number and told me I had to pay then to resolve the debt. I said I would not make a payment over the phone and that I wanted and invoice sent to me to define the settlement. He said he could not do that so no way I was giving my CC info over the phone. Then he told me I could go only to the website. I went right to the website and entered my account info that was given to me. The website gave me an option to make a settlement offer. I entered the $ I felt I owed first and it came back as a no on settling that amount. I made a second offer and that was accepted. I paid the agreed settlement and a $XXXX processing fee and the debt was settled. I printed the letter and confirmation from the website and was done. 

They started calling me again and when I answered no one said anything so I called back on XX/XX/2016 at approx XXXX. The person that took the call told me I still owed them money and my settlement wasn't enough. I told him I used the website and got an accepted offer and took it.He basically said that I still owed the rest of the debt. He said the documentation I claimed I had wasn't valid. 

Out of frustration I spoke some curse words and hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
Borrower XXXX purchased her home at XXXX, LA in XX/XX/XXXX for {$39000.00}. To purchase the home, she took out a FHA Loan at 8 % interest. Her monthly principal and interest payments were {$280.00}. For the duration of the loan, she has paid taxes and insurance out of pocket. 

In XX/XX/XXXX, XXXX lost her job and was placed on a 3 year workout program by HUD. During this time, her monthly payments were reduced to {$79.00}. She continued paying principal and interest out of pocket during this time. She was verbally informed that the {$8000.00} in interest she accrued during this time frame would be forgiven upon the maturity date of her mortgage. 

After she began making payments towards her mortgage once again in XX/XX/XXXX, XXXX remained current on her loan until this date, aside from two months after Hurricane XXXX in XX/XX/XXXX, which she promptly repaid. 

As her loan was approaching its maturity date in XX/XX/XXXX, she was made aware that there was still an outstanding principal balance of {$15000.00}, plus an interest arrearage of {$8100.00}, and additional fees for a total payoff amount of {$23000.00}. 

It is unclear why there is such a large remaining principal balance when the borrower 's loan was fully amortizing, and it appears that the servicer has failed to forgive the interest arrearage as agreed to at the time of the workout option in XX/XX/XXXX-XX/XX/XXXX. 

The outstanding principal balance on the loan does not appear to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have a loan through caliber home loans and have XXXX as a payment reduction plan. 
I have made several attempts to contact caliber due to the fact that they are not paying the funds properly. Caliber pays the payment forward instead of reducing the principal of the loan. This has been going on for several years now. I call them and caliber will comply for a month or two and then go back to the same problem again and again. So I called XXXX to resolve this and have an audit performed as to insure my funds are being applied in the proper manor. Just as with me caliber keeps rotating staff so as to make it impossible to speak to a complaint person and refused to comply with XXXX to provide the nessasary documentation to allow this process to be completed. I called caliber at least 6 times and XXXX has sent repeated letters via email and even had a conference to insure that it was OK to provide this information to a secondary company for security reason. Now I 'm at the end and this is why I contact you. I have nowhere else to turn. I 'm trapped between XXXX large companies that keep placing walls that I can not get through. Caliber will not comply with XXXX even after all the attempted contacts were made and both companies have full documentation of all attempts, calls and emails that have been sent or made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I graduated from College in XX/XX/2012. After graduation I was unable to find a job in my field ; but I was making minimum payments on my loans while I was in college. But I was working as XXXX for a XXXX and about 6 months after graduation ; I was contacted by Sallie Mae or XXXX. The representative asked me number of questions about my to income to set up a appropriate payment plan for me. I was told my monthly payment would be close to {$500.00} a month. I said alright. A few days later I was contacted again and told to set up a payment plan again. The first person never told me that she was actually only setting up a payment plan for federal loans. This particular customer service rep continue to tell me that I need to set up a plan very aggressively over the phone. Confused I kept stating I have already set up a payment plan for my student loans ; after about 10 minute the rep finally reveals that oh I am calling about your private loans and you have to pay again close to {$500.00} a month. Making only {$XXXX} a month after taxes more than a {$1000.00} were going towards my student loans and they would n't understand that I was making bare minimum. I had other expenses. Granted I lived at home with my mother ; but I have been suffering from a XXXX for more than 8 yrs ; so I stated I have monthly medical bills. I had to pay more than {$5000.00} for XXXX and {$3000.00} hospital bill and other monthly copays. Soon thereafter I lost my job due to my illness ; so I was being contacted by collection agencies telling me that they were going to start garnishing my mother 's income and confiscate my car. So I had to pay on my credit cards and I told the rep of collection agency ; that I have been very sick and have XXXX. But she did not care and continue to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: OK

Complaint narrative:
Signature load from back in XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX got behind XX/XX/XXXX / XX/XX/XXXX attempted to work out arrangement w/ XXXX - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountXXXX XXXX stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX, XXXX ( XXXX & XXXX ) for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with XXXX -- responded to them XX/XX/XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year this spring - they filed suit again me XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXXXXX has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past XXXX years -- he has made several attempts to get XXXX to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
My home and cell phone are on the Do Not Call list. I also submitted in writing a letter of Cease and Desist. I received a call this morning from XXXX from Receivable Solutions, XXXX stated that he saw that I was on the Do Not Call list as well as the letter of Cease and Desist yet called me anyway. This must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I had an account with XXXX XXXX XXXX ( XXXX ), a checking account ... I was to collect money to make payments to a lawyer ... A person that was suppose to deposit money to my account deposited a check for Approximately 4,000.00 dollars ... I was waiting for the check to clear, a day. The next day I checked my account to see if the check had cleared ... It had NOT cleared ... They said they were going to send the check back to the sender and they were going to place a bad comment on my CheckSystems account ... They then closed my account ... 
I have tried to open another account, but I ca n't because of their bad comment on the ChekSystems about me ... 
I did not do anything to deserve this bad comment ... It was not me who tried to defraud the XXXX ... It is their bad comment that has hurt me ... I am a XXXX Veteran and I need a way to do banking .... I am very careful with my banking and have never done anything to create a problem with an account .... This a very unfair practice of XXXX .... They should n't be able to hurt someone and not be accountable for it ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have disputing incorrect information that is reporting to the credit reporting agency 's. qvc is trying to collect a debt from me in the amount of {$380.00} which I paid this account off in full. This account was sold to XXXX who I also contacted to advise them that I do not owe this debt. I received a letter today from syncrony bank/qvc stating they have received my prior complaint to the fcra and advising me that they no longer have this account as it has been sold to XXXX and if I disagree I have 20 days to respond. I wrote a XXXX page letter back to them stating that I do not owe this money and should have never been sent to collection. I also requested to please correct there records and remove this incorrect information off my credit reports as it is causing a negative impact on my credit report and score. I see that a cc was sent to the fcra as well so I am responding as well to the fcra. I have been dealing with this for month 's now and am very upset that they are telling me it is reporting correctly. There records are wrong. I still to this day do not understand how they tell me I was to make my payments to the qcard and not directly to qvc. Well I made the payments directly to qvc. I put the account number on the card in my banking information and made the payments directly from my bank account to qvc. Then they go and sell this company over to XXXX? Now I am having an issue with XXXX as they want {$250.00}. I refuse to pay {$250.00} for something I do not owe.

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 2015-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
My husband XXXX XX/XX/XXXX-XX/XX/XXXX with XXXX. He suffered from XXXX since XX/XX/XXXX. In XX/XX/XXXX, he died from XXXX XXXX the day after his XXXX birthday. He participated in VA health care. This was diagnosed by a private doctor, as XXXX with XXXX. We believe from exposure to XXXX XXXX. He died XXXX XXXX, XXXX. Left me a single mom of XXXX children. I have managed to keep our home by refinancing my XXXX mortgage. When he passed he has a home equity line for XXXX from Wells Fargo in his name alone. They cut off my access and told me I was not liable for the loan, however since I signed the Lien I would loose my house if I did n't keep up the payments. So I continued paying auto pay of XXXX a month, they would not discuss the terms just that I had to pay. The payment was approx XXXX. Now I find out 10 years later this was an interest only loan and balloons in XXXX XXXX. Now all of a sudden Wells Fargo is offering to let me assume the loan. If they would have let me do that four years ago I would have streamlined it into my va loan, which I ca n't do because it 's not my debt??????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I got myself involved with business opportunity fraud.Ipaid three companies XXXX, XXXX, and XXXX.I called Wells Fargo for help and received none.These companies did not render me the service i was promised.I told the bank I have no functional online business, no way to earn money, and ended up heavily in debt Wells Fargo seems to agree with these merchants without even contacting them.How is this fair? Me being the customer along with the bank should be able to ask these merchants for proof of what they did.Im out XXXX and the bank says to bad.These merchants should be put in jail for robbing the elderly.I was also told by the attorney general i had the right to dispute these charges as claims and defenses. What good are laws if the bank does not follow them.I do not feel i am asking the bank to do something there not suppose to do.

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 2015-06-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber
State: CA

Complaint narrative:
My daughter received medical care at XXXX XXXX back in XX/XX/2012. On the date of service in question, my daughter was covered by Medi-cal ( XXXX California ). The hospital is stating I failed to provider her medical insurance information and this is not true. I contacted Grant and Weber several times to explain what happened, they are not willing to adjust the balance or to bill Medi-cal as they are saying bill is out of timely filing and balance will not be paid by Medi-cal. This is not fair, and also under title 22 in the State of California, If my daughter had medi-cal and I was able to prove it, they are suppose to write off the balance. Grant and Weber are refusing stating this is not true. They want the money from me and that 's all they care about. I have proof my daughter was covered by insurance. I also tried to get help from XXXX and they were on the side of the debt collector, so if you can help, I will be grateful.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
This debt buyer is reporting inaccurate information on my report. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report. This account was paid directly to the creditor. I 've asked XXXX to remove it & they claim I need to contact the debt buyer directly. I 've called them on the phone to remove & they said I owe it & I have to pay, but yet they 've never sent me anything ... .this is strict violation of the FDCPA & FCRA. I 'd like it removed immediately.

Company response to consumer: Closed with non-monetary relief