vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
On XX/XX/2018 my GAP insurance overpaid my loan with TD Auto Finance ( US ). My GAP insurance sent an amount of {$2700.00} to pay off a balance of {$1300.00} leaving an overage of {$1400.00} in which has never been sent to me almost 90 DAYS LATER. 

My avenues of communication with TD have failed at every turn. I have spoken with representatives numerous times on both the phone and on their secure message center. If you are willing to wait upwards of 2 hours on hold in order to speak with a real human being, you will be told the check will be in the mailbox in 2-3 business days, however, weeks later its still not here. 

On TD`s message center online, I have been told the issue was sent to their credit resolutions department, but that was months ago. Since then I have only received a copied and pasted message to tell me to call the customer service department. As stated above I am placed on hold for hours to be falsely told the check will be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I was trying to payoff the balance of my mortgage with Feedom Mortgage. They would not quote a payoff over the phone or in the website. They said there is a {$30.00} charge for the payoff amount. I am not selling or refinancing my home. I sent a check from my banks bill pay for {$34000.00} which was the principal balance on my statement. The check was dated XX/XX/18. On XX/XX/18 I received a letter with the check enclosed saying the funds must be certified. I called customer service on XX/XX/18 and was told by the CSR that it was against the law to accept the check. I asked her what law she was referring to. She could not answer but said they could not accept more that {$9900.00}. I told her that was referring to CASH transactions, not from accepting checks. 
I feel that Freedom Mortgage is not acting in good faith and trying to put obstacles in my path to collect more interest and fees. Also, I found my loan agreement and Truth In Lending Disclosure from my loan and there is no mention of a {$30.00} payoff fee. ( I did not have to have it in writing ) I am now required to pay a fee to my bank to issue a cashiers check to pay the account plus an additional months interest on the loan.

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 2018-11-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is completely unresposive when responding to complaints and inquiries about their reporting. After filing a complaint about false information they were giving out to creditors, they eventually issued a confirmation number to be used in viewing the resulting findings. However, in order to view the results, a questionaire must be filled out that asks about various accounts the inquirer may or may not have, and the answers must match what Equifax has on file. Since the information that Equifax has on file is false and inaccurate to begin with, their is no way to correctly answer the questions and the complaint findings can not be viewed. 
Equifax is committing fraud with this system ; they obviously have no intent of invesitgating or correcting the false infomation they provide to lenders. And they are equally unresponsive to phone inquiries ; demanding that the caller provide irrelevent and non-existant information before processing the complaint. 
Equifax if violating the rights of consumers and should be stopped or put out of buisness!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

1. XXXX XXXX 2.XXXX 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 non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I received a letter from Fay servicing in XX/XX/18, that my mortgage payment will increase from XXXX to XXXX as of XX/XX/18 per terms of my modification agreement.I tried reach the account manager to request a balance status mid XX/XX/XXXX again on XXXX, I tried to contact her by phone and email to get status in XX/XX/XXXX on XX/XX/XXXX,XX/XX/XXXX, and the XX/XX/XXXX. I recevied a letter right to cure a default by XX/XX/18 the notice stated I owed XX/XX/XXXX payment of XXXX, and XX/XX/XXXX XXXX, Corporate advance Balance ofXXXX fee and I had unapplied balance XXXX. I spoke to a team member @ fay servicing he couldn't discuss any details about my account and XXXX XXXX was the person in charge of my account. After numerous attempts to contact her I recieved a noticed dated XX/XX/18 stated modification Deferment and must respond on or before XX/XX/18, in the amount of XXXX, and foreclosure proceeding will not halt unless signed and received and accepted by Fay Servicing on or before the said date XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
I was billed by XXXX XXXX XXXX in the amount of {$380.00} for a hospital visit that I took to XXXX XXXX Hospital back in XX/XX/XXXX. I settled debt paid them the {$380.00} directly in XX/XX/XXXX and it was then removed from collections and my credit report. So today out of nowhere, I received a letter directly at my door ( letters are usually delivered to my mailbox ) from Commonwealth Financial Systems pertaining to the {$380.00} debt that basically said that they picked it up and would give me a discounted rate of {$280.00}. I then called them and forwarded them confirmation email from XXXX when i originally paid the debt and original copy of the bill that included the account number ( which Ill make sure to attach ) and the lady sounded noncommittal in terms of closing that account. She tried to get me to call XXXX and explain the situation to them and I refused to because that situation was already taken care of and I told her that if they needed any confirmation, they could contact them on their own. This definitely rubbed me the wrong way because I settled this debt two and a half years ago and theres no reason why I should be receiving any letters from a third party pertaining to it. I then XXXX the company and saw a ton of bad reviews that basically say the same things about this same exact company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
In XXXX I began contacting XXXX in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time G C Services had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XX/XX/XXXX and XX/XX/XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify G C Services that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by G C Services my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am a victim of identity theft. I have been trying to contact XXXX XXXX for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in XXXX for the last 10 years and not an address in XXXX. They denied me the opportunity and kept giving me the runaround. I don't understand why XXXX XXXX is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage, in letter received today from XXXX XXXX, SVP,  advises that loan XXXX in good standing for 14 years is being transferred to XXXX XXXX XXXX XXXX, effective XX/XX/2018 and that I will not be able to contact Wells Fargo about this loan after this date. 

NO EXPLANATION OR DISCLOSURE ON CHANGES TO LOAN SERVICING FEES OR LOAN TERMS AND CONDITIONS IS PROVIDED.

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 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
Calls all through out the day Keep calling after I repeatedly ask them to stop Change their numbers to hide themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX I spoke with XXXX ID # XXXX of the CFPB who verified that Wells Fargo was in violation of the CFPB definition of refinance and was not in compliance see12 CFR PART 1026 ( REGULATION Z ) a ) Refinancings on the CFPB website, 1026.20 Disclosure requirements regarding post-consummation events. XXXX STATED THAT THE CFPB HIGHER UPS ARE AWARE of what is going on. 
THIS VERSION IS THE CURRENT REGULATION Search this regulation ( a ) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. A refinancing is a new transaction requiring new disclosures to the consumer. The new finance charge shall include any unearned portion of the old finance charge that is not credited to the existing obligation the refinance loan originated by Wells Fargo does not fit the definition of a refinance because the consumer is not the original consumer of the XXXX loan that was refinanced by Wells Fargo on XXXX. Furthermore the rider to the deed of trust renewal and extension exhibit caused us to suffer liabilities of a non served default judgement. XXXX XXXX ext. # XXXX of Wells fargo Executive Resolution department was very rude and dismissive and refused to explain in detail what part of the Texas constitution Article XVI Section 50a and XXXX XXXX guidelines authorizes a renewal and extension exhibit. Wells Fargo XXXX XXXX XXXX XXXX XXXX, Iowa XXXX has been unfair, abusive and used deceptive trade practices on us the consumers. Relief requested is release of default judgement lien caused by unauthorized rider to deed of trust renewal and extension exhibit and release of deed of trust drafed by XXXX XXXX of Wells Fargo and note held by Wells Fargo Home Mortgage. DECEPTIVE TRADE PRACTICES BY WELLS FARGO HOME MORTGAGE who is only looking out for their own interest and only care about their lien position, they could careless of the financial harm and duress they have caused us. CFPB WILL YOU REGULATE WELLS FARGO ACCORDING TO YOUR OWN DEFINITION OF REFINANCE DIFFERENT We are a different CONSUMER!!! Our homestead has been removed by the appraisal district, taxes have went up drastically, property taxes are not in our name even though chain of title shows myself as owner, the taxes are not listed in our name and we are not authorized to pay a tax bill not in our name according to the Texas Property tax code yet XXXX XXXX Case # XXXX, XXXX XXXX XXXX case # XXXX and XXXX XXXX of Wells Fargo executive department, CFPB case # XXXX-XXXX, OCC case # XXXX have threatened pay the property taxes and put an escrow account on our loan and force us to break the Texas property code laws.

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 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. I have been trying to contact NCC Services for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not an address in Louisiana. They denied me the opportunity and kept giving me the runaround. I don't understand why NCC Services is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
This is not my debt Keep calling after I've told them that {$770.00} debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: WA

Complaint narrative:
Constant phone calls Keep calling after asked not to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. I have been trying to contact Conns for a very long time now. Their representatives were being very rude and threatening and refused to help me. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not at the address in Louisiana where the account was opened. They denied me the opportunity and kept giving me the runaround. I don't understand why Conns is refusing to acknowledge my Identity theft problem and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a letter from XXXX XXXX stating I was interested in buying a car which is very untrue. I have 3 vehicle and not looking to purchase another. I never contacted these people to buy a car nor spoke with anyone to do so. This is fraud and I have an alert on my credit report due to being a victim of fraud by my ex husband. Theses inquiries need to be investigated and charges filed and a law suit against the company if they done it on their on! They need to remove this from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
In complaint XXXX, I described how Ditech misapplied my extra mortgage payments to interest when they should have been applied to principal. Their response failed to correct the error. I have been keeping my own records since we began the mortgage which I am submitting as part of this complaint. 

The correct principal outstanding after I made my XX/XX/2018 payment is {$350000.00}. 

The incorrect statement they sent in response to my aforementioned complaint says the principal balance outstanding as of that date is {$350000.00}. 

In addition, they wrote " Your payments were submitted online without instructions indicating how any additional funds should be applied to the account. '' There is no way to provide instructions accompanying an online bill payment at Ditech.com. So it is literally impossible to do what the company asks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. 

1.XXXX XXXX 2.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I contacted XXXX XXXX about XXXX XXXX XXXX charges on the XXXX of XXXX in regards to not seeing a bill. They said they would not wave the charges, however I was not getting my bills with them by mail or e-mail ( electronically ). There was no bill, but I finally got a response by mail on XX/XX/XXXX -- again, stating they would not wave the fees. I had struggled with their online phone service, then to get bills, and now that I have paid them ( since recieving my payment for this late fee ), they have added an additional XXXX dollars in charges. Same thing, no response to my message about this on their electronic messaging, no bill and more charges. I JUST got a messaged response, and this was not a helpful response.

Company response to consumer: Closed with monetary relief