vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX ( XXXX XXXX XXXX XXXX party ) XXXX performed in summer of XX/XX/XXXX filed bankruptcy in XXXX XXXX. Before filing received collection notice, called informed filing bankruptcy. I was told they would not the account. After filing still received collection notices, called in XX/XX/XXXX, was told to fax the discharge notice, which I did, and the notes stopped. Now, XXXX they filed an open collections for XXXX on my credit report dropping the score XXXX pts. I called again, and the company says they did not receive my fax. Not only is this illegal I have told the group multiple times. This is vindictive, and a violation of my right with the bankruptcy. I am trying to rebuild, and this company has caused personal financial damage because I was unable to refinance my vehicle. Unprofessional.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My husband placed a purchase with XXXX XXXX and they canceled the order stating I had a past due balance with them. So I called XXXX XXXX and they said they sent the account to a collection agency and could n't tell me what the balance was for or what the balance even was. So I asked how can you as the original creditor tell me I had a balance with you but you have no information. A asked why I never received statements the rep said they do n't sent out statements. I need validation of this debt.

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 2017-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Until XX/XX/XXXX, I have had the same medical insurance for the last 10 years or more. All of the negative activity on my credit report is medical. I do not owe any of those bills. When the doctor 's or hospitals generated those bills to my address, I contacted XXXX, my primary insurer and XXXX XXXX XXXX XXXX XXXX, my secondary insurer. I was told by both agencies that due to the fact that the providers sent their bills in late, they were uncoverable and the I did n't owe anything, as I was n't at fault and 100 % covered. Also, in the case of XXXX XXXX, for example, I was going to his office 3x 's a week for XXXX. How come he only charged me once over a 2 month period? Because his office filed late, I do n't owe him anything, which I explained to his office in XX/XX/XXXX, they told me they would not pursue payment any longer, they lied.. The collections companies that are attempting to collect from me do not have contracts with me. I owe them nothing, none of them. These companies are making false statements and I would like for this misinformation to be removed. I have have continuous medical insurance for 30 years. Only since moving to Florida in XX/XX/XXXX have I experienced agencies falsely saying I owe bills, sending it to collections. Not my fault nor am I responsible for their late filing. If they paid their taxes late, would they be absolved of paying their taxes or penalties? They ca n't continue to hold me responsible for their incompetence and lies.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: United PanAm Financial Corp.
State: IN

Complaint narrative:
While I 'm at work XXXX of my co-workers have received calls from United Auto Creditors. The number is private when incoming. The name given was XXXX. He called XXXX in one day. He called on XXXX XXXX, 2015. He spoke to XXXX different co-workers. 
He requested personal information from them regarding me. My company does not allow personal calls unless an emergency. He stated to both co-workers that this was an emergency. United Auto Creditors have been told numerous times to not call my job and it has gotten worse. My boss has been notified of this by my co-workers since they stated the caller seemed strange and attempted to get personal information about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Sortis Financial, Inc.
State: MS

Complaint narrative:
I had a mortgage loan with XXXX Bank. It was an XXXX loan and you guys have helped out greatly with that. However, they sold a portion of the loan to Clearspring Loan Service in Texas. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have been paying them back a portion of the debt. They called me and I felt forced to make payment arrangements. This is still showing up on my credit report as collections for almost 3 years and I 've made arrangements. I still feel like I 'm being held hostage by XXXX when they did nothing to help me when I reached out to them for assistance. I 've increased my payment to Clearspring from {$100.00} to {$400.00} a month and they continue to report negative information to the credit agencies. Is there anything you can do to help with portions of loans that were sold to other companies? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: IL

Complaint narrative:
never received documentation about debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have experience what I believe is identity theft, having had both my savings and checking accounts compromised and hacked too many times to mention. My debit card was used and each time it was discovered, I had the bank cancel it. The financial institution, Wells Fargo, did honor the amounts on my checking account. However, they refuse to honor the amounts taken from my savings account, which comes to about {$2600.00}. I have not used a debit card due to this on any transactions. 

I recently wrote to Wells Fargo again giving them another chance to make the situation right. However, since I have written this letter, apparently my XXXX account was hacked to remove funds from my bank checking account. I immediately reported this to bother XXXX and Wells Fargo. The money was immediately refunded back to me. However, I tried to write a check today and it got denied. I also saw that my online accounts would not allow me to transfer funds. 

The Wells Fargo representative just informed me they have closed my account and I will receive any remaining funds by XX/XX/XXXX. She said that when I opened the account I agreed that either Wells Fargo or I could close the account at any time. 

Now because they refuse to refund me the money that was taken from my savings account ( approximately {$2600.00} ) and I do not have any access to cash, checks, etc. I must go and open an account at another institution ( I was going to anyway but was hoping to get the money first ) then go and withdraw funds from my 401k so that I can continue to live. 

No personal information but just note I am a XXXX year old widow who works full time and supports XXXX others. I have a mortgage, car payment and other accounts. Please help me to get the stolen money back ( I have a detailed copy of all the transactions ) and to warn people about my horrible experience with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: IL

Complaint narrative:
I had a medical bill that was paid in XX/XX/XXXX to the XXXX Hospital and I have a copy of the check to prove that was the date the amount was collected. My credit report states that this item was sent to collections in XX/XX/XXXX with LJ Ross and Associates. I have attempted to contact them to clear up the fact that they did not collect the money from me, it was in fact the hospital that told them I no longer owed the money as I had paid a year before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past 2 years, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

One time I was denied by the reentry team verbally stating that I did not earn enough income. Then they denied my application verbally stating that I earned too much! After that they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2014, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to to the fact I am of XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information ( including at XXXX point my deceased mother-in-law 's tax returns ), and generally making it very clear that they had no interest in helping me for 8 years now. 

Further, I believe I have been discriminated against due to my XXXX gender, as well as my foreign national origin as evidenced by my XXXX accent, which I have received comment on from Wells Fargo on more than XXXX occasion, where the bank 's personnel have expressed frustration dealing with me due to my accent.

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 2016-11-07 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
Payments sent each month to vendor : XXXX XXXX to XXXX XXXX XXXX, XXXX, CA XXXX before date ( due XXXX of month, sent by XXXX of month ). In XXXX no billing, telephone call 1 week later of no payment ( said mail returned - I do not believe ) sent Post Office Money Order same day Priority 1 day mail with tracking. Call today money not received - late fee is now applicable ) Checked USPS tracking : Money Order delivered XXXX Post Office Friday XXXX XXXX, 2016 at XXXX. Telephoned back Worker argued not there therefore what do you want me to do? Asked me to call back in 3 days. Explained tracking has money order there and I am NOT responsible for when they pick up mail. Asked for Supervisor who took tracking number, money order serial number and amount and said she would reverse late charge. I am afraid they will continue to do this to accrue late charges and late fees for saying that they did not receive payments. I send money orders because they are a shady group and do not want to give access of checking account. No online access, and interest rate at 95 %. Trying to pay off asap. I believe they are cheating people giving late fees because they fail to pick up mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
On XXXX XXXX, 2014, I was unable to leave the property of First Merit Bank, XXXX XXXX, XXXX XXXX, Ohio because of a bank XXXX. I complained to the bank employees who did nothing. I was trapped at the bank. I filed a written complaint with the bank the very next day, including the following : " Because of this terrible situation I experienced at FMB, I tried to contact the offices of its XXXX, XXXX XXXX, to inform headquarters. I called the XXXX customer number. To my disappointment, XXXX would or could not give me contact information for the Bank 's corporate offices in XXXX. I then called the XXXX XXXX branch. To my continued amazement, teller XXXX had never heard of XXXX. ( Does n't the Bank educate its employees about such a simple piece of information? ) Nor could she tell me how to contact the Bank 's corporate offices. All she would say is call customer service. I informed her that I already had. XXXX had nothing more to add. '' No one from the bank ever responded. I resubmitted the complaint on XXXX XXXX, 2014. Still, to date no one from the bank has contacted me about being prevented from leaving the bank 's property, It is now more than half a year without the bank acknowledging the customer service problem, let alone apologizing or taking action to correct its mismanagement. It is against public policy and the public interest to be held 'captive ' by a bank and its contractors. And, just as bad is the inability or the intention of the bank 's customer service department to provide access by a current customer to the bank 's corporate staff. How can the public complain to headquarters when the lower ranks are a hindrance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: American Coradius International LLC
State: NY

Complaint narrative:
XXXX sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( American Coradius International ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Mid-Atlantic Consumer Services
State: UT

Complaint narrative:
I received a voicemail from XXXX which in number search appears to be a cell phone. The message left states the following ( the beginning appears to have been cut off ) : '' ... office of MACS. This call is in regards to a possible check protest claim that is scheduled to be placed against your name and social security number. If placed, it could affect any current banking you may have. Please take this opportunity to fix the matter as once it is placed it can not be retracted. Our phone number XXXX. Once again the number XXXX. " I have reported this to the local news authority that keeps track of consumer scams. I have read information online that seems to point this out as an identity theft scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I took a loan out for {$3600.00}. 
My bank deposited the check in another 's persons account. 
Once they corrected the problem I had lost out for the reason I needed the money for ... So I repayed the {$3600.00} before the first due date ... Now the institution I borrowed the money from says I owe them {$340.00} by XXXX ... that 's only 7 days they have me to pay the {$340.00} when I just payed {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
One Main Financial uses deceptive practices in the way it displays payment due information via their website. Their online " Account Summary '' and " Account Details '' page will show that there is zero due for the upcoming month, yet the online statement itself ( if you download it ) will show a payment due for the upcoming month. I have screenshots and downloads where their website clearly shows my next payment is due on XXXX XXXX, 2016. Yet my statement shows a loan payment due on XXXX XXXX. 

I have relied on their online information for the month of XXXX which showed I had zero payment due. I believed I had paid in advance. Yet I started to receive calls from the company asking why I had not paid my XXXX payment, and when I logged online to check, the online view had been updated to match my statement - after the fact. I though I had made a mistake, but this month when I view my online balance and my statement itself, I see evidence of their deceptive billing practices and I am attaching the screenshots I took as evidence. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Central Business Funding
State: FL

Complaint narrative:
Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from XXXX XXXX. He said I owe a debt to Central Business Funding in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Hi. My dad and I rented a property together in XXXX. My dad fell ill with a XXXX and his doctor ordered that he be placed in a XXXX ( XXXX ). My dad actually qualified for the property due to his financial status. However when my dad moved, so did most of our resources, leaving me with my income to care for the household. I got behind 45 days and received an eviction notice. I concurred with the eviction and vacated the property in XXXX XXXX or XXXX XXXX. Homeless, my XXXX kids and I stayed in a motel.To make a long story short, in XXXX of XXXX, out of NOWHERE, i received a letter from National Credit XXXX from the property management company saying I owe {$7900.00} for various damages. I left the property clean with no damages. I have been away from this property for over a year and some months!!! I paid {$50.00} to speak with an attorney for 30 minutes. He stated that " a landlord/property management company have 30 days to go after a tenant for property damages in the state of Georgia ''. I already have a charge of {$1000.00} plus {$1900.00} for the eviction and whatever else, on my credit report from them. Please help, I do n't have money for an attorney to help me get this off my credit reports.

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 2016-11-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation
State: VA

Complaint narrative:
I had a leased car from XXXX XXXX in 2013 and I was just informed by XXXX XXXX that I have an outstanding toll violation in XXXX from XXXX/XXXX/13. I never received notice of the toll violation from XXXX or XXXX Dept. of Transportation. I use an EZ Pass and drove from XXXX to XXXX and the pass registered at all other tolls during this trip. I had no way of knowing if the EZ PAss registered since any notice would have been sent to XXXX XXXX as the owner of the car. PennCredit of XXXX, XXXX is now attempting to collect {$66.00} for a {$4.00} toll after 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I took a high interest loan on a five year term. I paid the loan off in 35 months. the payoff was very little difference from the entire term of the loan. I received a letter 10 days after the loan payoff offering a refinance from the same company. the payoff on the letter was less than what I paid 10 days ago. the loan company told me to bring the letter up there. I did with no resolve. the person on the letter did not work there and it has me wondering if something very wrong is going on. I attempted contacting an attorney but did not find anyone is this field. I think this is predatory lending and should be stopped.

Company response to consumer: Closed with explanation