vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
XXXX collections in regards to XXXX not only called me repeatedly during work hours when I informed them several time not to call due to my work place not allowing that then they took the liberty to call my family member and share my personal information with them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I recently closed on a VA Re-finance through XXXX, the representative I dealt with XXXX XXXX and his supervisor XXXX XXXX both told me ( in e-mails and recorded conversations ) that if I refinanced through XXXX XXXX Mortgage that I would be allowed to skip my XXXX ( {$2300.00} ) and XXXX ( {$2300.00} ) payments to Shellpoint Mortgage my old lender ( Mortgage Company through New Penn Financial ). I asked if I could skip XXXX and XXXX payments as I had already paid Shellpoint the full amount for my XXXX payment ( {$2300.00} ) however XXXX said no it need to be XXXX and XXXX Payments that I could skip based on loan ( Re-Finance ) closing. Again I was ensured that I would get my XXXX full payment back by XXXX. Shellpoint had included part of my XXXX payment in final settlement and only reimbursed me for partial return of my XXXX payment made on XXXX XXXX XX/XX/2015 of only {$1200.00} was returned from XXXX payment and {$1300.00} left over from my Escrow account. I was shorted {$1000.00}. I have contacted both XXXX and Shellpoint requesting the balance of {$1000.00} ( might not be considered a lot of money but when you are a XXXX it is a lot of money ). All I seem to get is the run-a-round. And XXXX of the companies has committed fraud and definite deceptive trade practices. I want to file a formal complaint. XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: First Data Corporation
State: OH

Complaint narrative:
Both XXXX & XXXX refuse to cash my federal tax return check. They both use Telecheck & XXXX. They say my SSN does not match what they have. We tried it multiple times at each store.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I took out a loan with LoanME, INC. on XX/XX/XXXX2016 in the amount of $XXXX I did not have the necessary knowledge at the time to understand why I would be paying $XXXX in the long run. I cannot afford payments of $XXXX netherless 115% monthly. I tried to resolve my debt to lower interest but that has become impossible. They are taking advantage they hold a California licensing but its unfair how they abuse the interest to individuals like myself who are in need of instant cash but pay for it in the long run. This is unfair I feel is abusive , emotionally XXXX and leaving customers in more debt then when they got the loan. I heard they were XXXX before to which they were shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Central Service Bureau, Inc.
State: CA

Complaint narrative:
An outside party is contacting all of my family, my employer, and my workplace multiple times a day, despite being asked not to contact me at work or my employer they contacted my office 4 times this morning, and then called employee relations. Threatening to come serve me papers, I work at a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I was offered a credit card by Amazon. I accepted. I made a few purchases. I cancelled the card. I am a senior citizen on a fixed income. I am trying to pay the balance off as best I can. There is a debt collector from the number XXXX XXXX XXXX calling XXXX times a day at all hours trying to collect the balance. I ask that this please stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: GU

Complaint narrative:
name of collection company " convergence outsourcing '' keeps calling about a XXXX bill in which I had is {$250.00}. I did not make a {$250.00} bill with them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical-Dental-Hospital Bureau of San Antonio
State: MD

Complaint narrative:
I have a child who was covered under his father with XXXX. Because he was considered XXXX the state of tx stepped in and gave his secondary insurance through medicaid. Which covered ALL unpaid expenses XXXX did n't cover. Over the course of about 2 years the Dr 's and hospitals my son was seen at neglected to file with BOTH insurance companies after I repeatedly told them to do so. I provided the information needed and the insurance cards as well. A couple years later, I have now had XXXX collection accounts show up on my credit report. Some for as little as {$30.00} simply because they did file with XXXX but not with the medicaid. XXXX will not pay after 90 days so these companies sent the bill to his father who covers him under XXXX. I never got ANY bill. Yet, all of a sudden I have all these collections. I have disputed and tried to get these companies to understand that he was covered and should have filed with the ins but they say it is not MY responsibility. I feel the debt is not mine because I made sure to give them the information necessary to get paid. The child was fully covered for 100 % of his bills, and simply because they were too lazy to file they want me to pay all of these. How is that fair? These accounts are the ONLY negative accounts on my credit report, and since they broke them up into {$30.00}, {$39.00}, {$43.00}, etc I have XXXX collections accounts. This ruins my credit and my chances at getting good rates with any financing for cars, houses, etc. This needs to be fixed and changed. It't not right that they can pull this and it should be illegal.

Company response to consumer: Closed
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
XXXX lists both Northeast Credit and Collect ( NCC ) and Commonwealth Financial Systems ( CFS ) as holders of an alleged collection account. XXXX still shows NCC as holder. ( see attached ). I have requested, in writing, verification of debt and have not received my dated signature for this debt. I have received a BLANK form letter for collection which is not verifiable validation of the debt, see attached. This alleged debt is dated for origination in XXXX of 2009. Per statutes, such debts, alleged or otherwise, are no longer collectable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been working with ditech regarding selling my home. The property has lost value and the people that have been occupying the property have stop paying. This has cause a ripple effect in my finances and I have fallen behind on payment.s. The person that I was told to contact, ( XXXX ) has been non responsive, Other accounts reps have informed me that they will tell her, however, I recent receive a notice in the mail that the house would be going to auction. I have tried hard to keep the house, until it can be sold.. I have not be able to reach anyone from ditech. They patch my calls to a line, that rings, and rings. with no answer machine. I recently hired a realtor to help me sell the home faster, since the loss of value it has made it difficult

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I tried to refinance my truck through XXXX to get lower payments. They denied me because they said I have a delinquent account with Navy Federal Credit Union. I have a credit card with Navy Federal Credit Union I have been trying to pay off, and always make my payments WITHIN 30 days of the due date. Usually my payments are made within 10 days because of the date my military pay check comes in versus the date they have for my payment to be due. I always make my payment on the XXXX of the month and the due date is on the XXXX of the following month ( ie : due date is XXXX XXXX, I make payment on XXXX XXXX when the military pays me. ) The reason I took out the credit card was because last year I hit financial hardship and had to pay for my moms bills because she was in a XXXX and out of work, as well as had to pay for a surgery for my dog who was in an accident as well. I 've spent the past year playing catchup and finally have caught up bht I always made my payments on the credit card within 30 days so it would n't be considered delinquent. However, somehow Navy Federal Credit Union made the account delinquent and reported it, so now it is having a negative impact on my credit that I worked hard to obtain and build. I can not refinance my truck to make my payments lower to save more money because of a report that was made before the 30 day period. I would like to find out why this was put on my credit report and see if I can get it taken off because it is negatively impacting my credit. I have a car payment, a mortgage both of which are always payed on time to the day, as well as have a small loan with another compan that is payed on to the day. No other bills are late either. The only account there is an issue with is the navy federal account that reported delinquent without thirty days and whom charge me double interest rates that make it hard to make any headway on the card. I am XXXX military and am coming on my XXXX year in. Refinancing a truck I make payments on on time should n't be an issue but it is because Navy Federal Credit Union is holding my account delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had a bank account with wells fargo open from XX/XX/XXXX-XX/XX/XXXX. Wells fargo keeps changing their story for why my new account was closed. I called XXXX XXXX and he told me it was because i harassed their district manager XXXX XXXX, but he did n't explain how i harassed her and my new account was closed XXXX days after it was open, very suspiciously. XXXX XXXX then proceeded to tell me in the letter that i 'm not allowed in any wells fargo, he even made sure to mentioned to say that i was n't allowed in the XXXX XXXX location where i ran into XXXX at the front door but I did not bother her. Let me point this out i had no idea anything was wrong until i called to see how much money was in my account, on XX/XX/XXXX when i learned my account had been closed. I am being treated very unfairly here and for XXXX to assume i would be a problem to disrupt wells fargo daily business. It is XXXX who is disrupting everything. I was banking with wells fargo even before XXXX started working their, its not right that i get treated this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is refusing to give me my free credit report from a " 60 day adverse action ''. I was denied credit with XXXX XXXX on XXXX XXXX 2015. I have tried to request a free credit report from Experian several times online, and each time their website displays " unable to honor your request. '' I want the credit report provided to me in an online format, as I do not trust my credit information being sent through the mail. I am entitled to a free credit report from Experian due to the adverse action, and I would like to see it online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all XXXX credit bureaus XXXX XXXX and Experian with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XXXX of XXXX. This item is over 7 years old and is still being reported on my credit report. XXXX completely deleted the item, XXXX has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XXXX and a last status date of XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN AND XXXX LOAN NO.XXXX WAS UNLAWFULLY RE-INSERTED ON MY CREDIT REPORT WITH 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A.. I MUST PAY FINE OF {$1500.00} IN DAMAGES.

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 2017-02-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XX/XX/XXXX, I tried to make reservations for a round trip from XXXX to XXXX utilizing my XXXX XXXX XXXX for a buy one full fare and get the second fare for half off. I was unsure of how to make the reservations so I called the XXXX customer service phone line. The custom service agent said to just to onto the XXXX website to make the reservations. After logging on the the XXXX website I made the reservations and paid but did not see any where on the webpage to get the discounted fare. I was charged for two full fares of {$690.00} each for a total of {$1300.00}. Upon realizing I was charged for two full fares instead of one half off, I immediately called back the XXXX customer service phone line again and this time the customer service agent told me that I had to make the reservations on my XXXX account. Due to the first XXXX customer service agent 's misinformation and being overcharged, I was told they would refund me the original two fares of {$1300.00}. I then logged onto my XXXX account and made the same reservations and this time I was charged correctly for one full fare and one half fare of {$690.00} and {$360.00} for a total of {$1000.00}. When I received my XXXX statement for billing period XX/XX/XXXX-XX/XX/XXXX, I was charged for 4 full fares of {$690.00} each and only credited for 2 full fares of {$690.00} each. I should have received credit for 2 full fares of {$690.00} each and half a fare of {$320.00}. I have written many letters to the XXXX and XXXX Customer Service Offices. XXXX did issue me a temporary credit of {$320.00} which would have taken care of the problem but then they reversed the credit stating the merchant already issued me a credit. I did not receive any credit from XXXX nor does any of my statements from XXXX show any extra credits. I am still waiting for a resolution to my problem. Also, I asked on many occasions that my credit card be cancelled and it has not been done yet and I was charged {$89.00} for the yearly fee.

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 2015-05-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On my Experian credit report, it shows that under XXXX XXXX XXXX that I am deceased. Of course I am not, and no other credit card or report shows that I am deceased. Also, when I contacted Experian to dispute this, they said they resolved it but they did not. They changed the XXXX XXXX XXXX to CO in XX/XX/XXXX. This is incorrect. This was charged off in XX/XX/XXXX. Also, they still show that I am dead, which is effecting my ability to get credit. I need this fixed asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
While checking my credit report, I saw a debt from Ad Astra Recovery Services collection agency. I then submitted the documents showing identity theft and the company took one of the debts off but left the other debt. I have called numerous times and has been told that the debt was removed, but when I check my credit report for XXXX and XXXX the debt is still there. I would like to have the information removed because it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I have a savings account at TCF Bank in XXXX, Michigan XXXX. In XX/XX/2016, my savings account was closed and my savings were withdrawn. I do not know who and why the bank closed my account. I called the Customer service in XX/XX/XXXX and gave my account number and information. I was told that according to their record my account was closed and a check will be mailed to my address in XXXX and to allow 10 days for mailing procedure and mail delay. I waited, but until now now ( XX/XX/XXXX ) no check in the mail. I called the 1-800 number today, but according to the customer service, she can not find my record and account number information. She suggested to visit the XXXX, Michigan branch. But I am not in USA at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I asked Navy Federal Credit Union to re-imburse me months ago for a few transactions and they never did in these specific amounts. And I was not given a form to fill out. I had to call and file fraud. Now they are saying they could n't refund me the money. 

But now they say that they were supposed to add back $ XXXX to my credit card which now they have n't done. HELP!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation