vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Due to the unsuccessful  XXXX   XXXX   XXXX  Credit Card, Comenity sent letter to all cardholders that effective  XXXX   XXXX ,  XXXX  the credit card will be closed and no purchases will be accepted. We were told to contact any creditor that had reoccurring charges with  XXXX   XXXX   XXXX  credit card and provide a valid Credit Card. I had no reoccurring charges and I have destroyed the card. On  XXXX ,  XXXX  and  XXXX  Comenity has charged my closed account  XXXX  each month for  XXXX  that I cancelled in  XXXX   XXXX . I called Comenity early  XXXX  about the charges and they indicated it was done in error and reversed the charge for  XXXX . The supervisor assured me that they would not accept anymore reoccurring charges, however most recently I was charged again another  XXXX . I am being charged interest on this account and Comenity continues to accept charges on this closed account and I 'm getting the runaround when I called customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XX/XX/XXXX There is a long history of problems with TD Bank and it 's branch managers here on XXXX XXXX. XX/XX/XXXX do nothing to redress complaints and our experience with the executive branch is that they ignore written complaints, despite any evidence that they have done wrong. We 've had trouble with previous " Retail Managers '' ( TD considers their banks to be just stores, like XXXX. But our experience is that XXXX is more responsive to consumers and attempts to rectify problems, not inflame them. Unlike TD Bank. ) Most recently, XXXX XXXX, Retail Manager of TD Bank on XXXX XXXX, denied culpability for wrongful and excessive overdraft fees, stemming from events on or about XX/XX/XXXX, which of course then created a cascade of shortfalls which accrued to the wrongful benefit of TD in permitting them to collect more fees than they were entitled to. Despite conflicting information from the branch employees, and the back office " in New Jersey '' about why the fees were charged, then changed, apparently both in violation of bank practices and policies, TD also does not provide transparency about account charges regarding overdraft fees and there was no way anyone checking the online banking version of our account could see the same information that the TD back office and branch employees saw, thereby deliberately preventing account holders from seeing the service charges and activity that TD saw. <P/>Further, TD violated their agreement with account holders to provide fee free checking by imposing a {$2.00} paper statement fee, which XXXX denied was a service account fee in violation of the contract with account holders, but which is exactly that under the cheap masquerade of a different fee label.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I PRESENTED XXXX WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED XXXX TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN XXXX. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XXXX PLEASE CORRECT YOUR RECORDS.

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 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I HAVE APPLIED FOR A MODIFICATION AND WAS INFORMED THAT I WAS DENIED BY MY SERVICER OCWEN ON X/XX/17, I CALLED THEM AND COMPLAINED. THEY STATED THAT GUIDELINES JUST CHANGED THE PRIOR WEEK SO THEY WILL REVIEW THE FILE AGAIN. THEY SENT THE FILE BACK TO THE UNDERWRITING DEPARTMENT AND ON X/X/17 I RECEIVED THE EXACT SAME DECLINE LETTER, MY INVESTOR DOES N'T HELP HOMEOWNERS THAT ARE OVER 90 DAYS DELINQUENT. THIS MAKES NO SENSE AS IT TAKES 30 DAYS TO MAKE A LATE 30 DAYS TO GATHER THE NUMEROUS DOCUMENTS OCWEN REQUEST OVER AND OVER AND THEN THEY SEND THE FILE TO THE UNDERWRITING DEPARTMENT FOR A DECISION WHICH TAKES 30 DAYS. OCWEN PUTS BORROWERS LIKE ME OVER 90 DAYS AND THEN SAY THAT MY INVESTOR XXXX XXXX DOES GIVE MODIFICATIONS BECAUSE I AM OVER 90 DAYS LATE. THIS IS OUTRAGEOUS!!! I ASKED OCWEN THE SERVICING COMPANY IF THEY EVER SENT MY REQUEST FOR MODIFICATION TO XXXX XXXX MY SERVICER AND THE REPRESENTATIVE STATED I DO N'T KNOW, I ONLY KNOW YOU WERE DENIED NOW WHAT IS YOUR INTENTIONS WITH THE PROPERTY. IT SOUNDS LIKE THEY ARE TRYING TO FORCE BORROWERS OUT OF THEIR HOME SO THEY CAN RESELL IT TO THEIR FRIENDS " INVESTORS '' THAT ARE BUYING OUR HOMES BY THE BULK CENTS ON THE DOLLAR. HOW DARE THEY PREY ON THE WORKING CLASS TO BENEFIT THEMSELVES. I AM NOT GOING TO LEAVE MY HOUSE AND I AM NOT GOING TO BE VICTIMIZE BY CORPORATIONS LIKE OCWEN OR XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Would like a XXXX or less Per month payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: UT

Complaint narrative:
Loans not sharks keeps calling my phone and work when i 've told them not too saying they 're going to take me to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have over  XXXX  in debt from university of  XXXX . It was  XXXX   XXXX  first the it went Navient. I call them almost every year trying to lower me payment or try that income base repayment but they always say I do n't qualify I make too much. I 'm a single mom o n one sal ary and have a mortgage and car /insurance payment. And utilities! They keep saying I do n't qualify and defer my payments but that just makes my balance go sky high with interest. They do n't help me with anything. I 'm never going to pay off this debt! I need help my son goes to college next year. I think my balance was around  XXXX  tbousou d before but with all the deferment it 's gone up to  XXXX  that a house. Please help. I work in the   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: GA

Complaint narrative:
Experian has just recently completed a dispute for me and just what I thought would happen did. I am disputing the accounts for XXXX XXXX as they are reporting incorrect information. I DO NOT owe the amount that is being reported. I stated this in my dispute and I included my court documents as proof that the amount being reported is not correct. Experian wrote back and stated " This item was not changed as a result of our processing of your dispute. Please review your report for the details. It goes on to say under the two XXXX XXXX accounts Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This item remained unchanged from our processing of your dispute in XX/XX/XXXX. How is that possible when there is a court document that I continue to forward to the company that states that I only owe {$1100.00} plus {$74.00}? What other documents does XXXX XXXX supply that would override the judgement of the courts? This also seems to be saying that Experian will no longer continue to look into the matter even though they have the PROOF that they requested to show that the information being reported is WRONG. This is my last attempt to fix this issue directly with Experian and if the XXXX XXXX accounts are not removed, I have already sought legal counsel with XXXX XXXX XXXX XXXX, my representative 's name is XXXX XXXX, her contact number is XXXX and her email is 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 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: ID

Complaint narrative:
I already submitted a complaint with CFPB - Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 I could not view the response from ERC ( enhanced recovery company ) as CFPB has issues with passwords. <P/>The response was read to me from a CFPB employee. ERC states that : ( 1 ) the debt from XXXX is not owned by them. ( 2 ) they are acting on behalf of the customer - XXXX XXXX ( 3 ) they have put actions on hold until verification of account I contacted XXXX and have confirmed again that : ( 1 ) the account was in error. I had one account that I paid on. The other was made in error but had been already placed in collections AND that they SOLD the rights to the debt to ERC ( ERC claimed that they did not own the debt rights ) XXXX is also in a law suit right now in Idaho for creating accounts to consumers without the consumers knowledge or consent. ( 2 ) XXXX confirmed that they SOLD the rights to the debt to ERC. ERC is NOT acting on behalf of XXXX. ( 3 ) Immediately upon hearing from CFPB, ERC added another Collections hit to XXXX. <P/>ERC has been putting multiple hits to my credit reports, changing amounts and originators. They have lied when replying to the CFPB complaint. They DO own the debt rights, are NOT acting on behalf of XXXX  and are not putting report on hold until they investigate and verify the information. I DO NOT OWN THE ACCOUNT THEY ARE TRYING TO COLLECT ON.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: AZ

Complaint narrative:
this company is reporting a negative debt on my credit report i have prev sent in a req to provide the contact i signed and all they have provided is a statement with charges i do not have a contract with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I first asked the cred itor Jefferson Capital Systems to verify the  debt, they are collecting on behalf of  XXXX . I asked them to provide me with a billing statement to verify all charges from  XXXX , my account number from  XXXX  and the types of services I had. They failed to do this. I disputed this on my credit report as inaccurate info. The Credit Bureau responded and said that the information was accurate. I no longer disputed it and stated that it 's not under dispute anymore ; however, the collection agency sent me an actual copy on my credit report and I noticed that the information they have reported still is n't accurate and does n't make sense. They said the collection account was opened  XXXX . They are reporting that the date of first delinquency was  XXXX  which is incorrect because I still had services with  XXXX  in  XXXX  of   XXXX   and the account was active and open and not delinquent. They also reported that the date the first major delinquency was report was  XXXX , so if this is the case then how was the collection account opened before the first major delinquency was even reported. The dates are conflicting and it makes no sense and I requested the Credit Bureaus remove this inaccurate conflicting info but they still have refused to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
When I tried for Auto Loan in the month of XXXX received in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like Equi-fax, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last Equi-Fax provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information.
I hereby Authorize to take necessary Action against Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last week I received a cashier 's check ( issued from XXXX XXXX ' XXXX XXXX out of North Carolina ) in the amount of {$1800.00} as payment for some furniture I was selling. However, the furniture sale price was only {$140.00}. I did not know the person as I sold the couch via the XXXX mobile app. They informed me that they were out of town and buying the couch for a relative. I deposited the cashier 's check via Chase 's mobile app, but it was pending for a few days. I eventually called Chase and they contacted the credit union who issued the check. They confirmed the funds and released them to me and it posted to my account. I was then instructed to take the remaining {$1700.00} and deposit it into their XXXX XXXX XXXX account for the movers. I had the teller verify the account name and number beforehand. On Monday, XX/XX/17, the {$1800.00} had been returned as the check ended up being fraudulent. Therefore, I had {$1700.00} stolen from me. The name of the remitter on the check was XXXX XXXX XXXX. However, they went under two different names ( on the XXXX XXXX XXXX account and XXXX app ). I have already reached out to Chase, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and have received no resolution. I also filed a police report with the XXXX County Sheriff 's office here in Florida. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I tried disputing this debt numerous times, because I do n't have a contract with them and they are continuing to come back verified and then I went on the Florida Office of Financial Regulations website and saw that this collections agency 's license has been Expired since XX/XX/2000 and they are continuing to report this debt that has been on my reports for over 3 years now. I am not even sure is mine, I know I do n't have a contract with them, and I want it taken off my credit reports. They are not licensed to collect in the State of Florida with Expired license but they are blocking my credit rating and it is very hard getting a house with collections on your reports ... Thank you for your help and your time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WESTERN CONTROL SERVICES, INC.
State: CO

Complaint narrative:
Western Control ser vices out of Colorado claims that they served me for an old medical bill that they never did properly serve me. THey have a service form that goes to someone that I have never heard of and that did not live with me at my address at the time. I tried to tell them this and they continued with the garnishment. Now that the garnishment had been completed for over a month now, I have NEVER received a paid letter, I was over garnished and have still not received my refund, and the satisfaction of judgement has never been filed and this has now costed me a home loan and an auto loan. I have complained to the CFPB before and got nowhere, however, the  AG  for CO has stepped in to give me some advice and some help. PLEASE HELP!!!!!!!!!!!!!!!!! This company practices abusive collection tactics and uses false process servers so they can get around the system.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: LD Holdings Group, LLC
State: TX

Complaint narrative:
Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted. I reinforced the issue requesting the inquires are removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
- I opened a Wells Fargo Everyday Checking account on  XXXX   XXXX ,  2017  online and was told that I am eligible to receive a {$250.00} bonus once I complete a set of activities within 60 days of opening the account.   - I completed all the required activities within 30 days of opening the account. ( I can provide my account statement if required ).   
- When I contacted the company I was told that it may tak  e more than 45 days to post the bonus after completing the activities. It has been more than 45 days but I am yet to receive the bonus.   - When I contacted wells fargo again I was told that they would investigate and send me a the details within 14 days. It has been more than 14 days and I have n't received any response from wells fargo.   - I am attaching the email which I received when I opened the account. Please let me know if additional documents are required.

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 2017-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
Dear CFPB commissioner, I have contacted you in reference to matter that involves consumer financial protection and the matter of a money order purchased via the MoneyGram company as sold by Walmart. The money order, which is a matter of question involving the late date at which it is being transacted is a matter the company states that they readily resolve and, possibly, with penalty. given the MoneyGram company 's policy, I submitted the information to the company and have anticipated a response from MoneyGram company. <P/>I have waited nearly 15 days, far more than the standard 5 to 7 working days for this matter to be resolved by MoneyGram to no avail. <P/>I have corresponded with MoneyGram to provide proper information, email information though the MoneyGram company has not responded in any manner. <P/>I have forwarded this message to the MoneyGram company and am now awaiting their reply. <P/>in the event that the MoneyGram company has elected to avoid correspondence with me for any reason, I write to you to request your suggestions and to access information in reference to my legal alternatives. <P/>I have a number of creditors and continue to tender debts that are due. I do, however, anticipate tat the MoneyGram company does not engage in policing nor debt collecting for other companies. <P/>I await the response of the Treasury Department in anticipation of lawful remediation prior to looking into resolution by means of any legal recourse. ____ Dear MoneyGram customer Service Representative, In the last few weeks I have made a report to MoneyGram in reference to a MoneyGram order that had been returned to me after it failed to be negotiated. More recently, I corresponded with MoneyGram customer service via WalMArt customer service and Money services. During that time, I was instructed to provide information to MoneyGram in reference to the monety order. <P/>I made an online report to MoneyGram on or near XX/XX/XXXX and XXXX, 2017. <P/>Since that time, I have awaited a reply from the MoneyGram company to no avail. <P/>I write to you to inquire with you as to the actions that may have been or that are expected to be taken by MoneyGram. to respond by forwarding the remaining balance of the money order If there is any further information or any problem that you may need assistance with, I have, also, provided an email address to which your representative may write with an inquiry or information. <P/>I would urgently like to resolve this matter. Email XXXX XXXX Thank You

Company response to consumer: Closed with explanation