vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
Disputed Credit Card Charge by vendor for cancelled services on XX/XX/18 for {$260.00}. Vendor did not challenge charge back and XXXX Credit Card refunded the charge. However, the vendor sent fraudulent debt to collections and I was notified to it by the credit report provided by the Credit Card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
when I applied for this loan I was informed I had plenty homeowners insurance 5 months later I received a letter stating my wind and hail insurance had lapsed, witch I never had. XXXX XXXX  stated they would cover 1 year at no cost of wind and hail insurance. my response was that was a band aid. while looking for another loan 2 hurricanes hit the state of NC. I had my payments set on auto pay ( XXXX ) XXXX XXXX took ( XXXX ) witch was unauthorized transaction, I stopped auto pay to prevent that from happening again now I pay manually

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had an issue with an item I purchased on XXXX where the item came from a third party seller. Item was a camera that did not come with a wall charger and connected to its own WiFi that did not work unless my cellphone was within 10 feet of the camera which defeats the whole purpose of having the security camera. Contacted the seller for a refund they sent me a return label where I as the buyer had to pay return shipping. Item was received by the merchant and the merchant refuses to Respond to communication and will not issue refund. I contacted Bank of America credit card to dispute the charge I mailed them the documentation necessary and they claim they dont have anything and the only way to give them information is by mail only. Post office lost correspondence sent to Bank of America.

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 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I attending a closing at the XXXX XXXX XXXX, XXXX XXXX offices to complete the sale of my property at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The firm was provided a payoff letter from the mortgage holder Mr. Cooper ( formerly Nationstar Mortgage ) created on XX/XX/2018 and good through XX/XX/2018. XXXX XXXX XXXX " cut a check '' ( actually prepared a wire transfer ) for Mr. Cooper in the amount stated on the document ( {$100000.00} ). I also had previously been in touch with Mr. Cooper, apprising them of my decision to sell the property. Mr. Cooper followed through with the foreclosure on the basis of a short payoff they said occurred because of a disbursement not listed on the payoff letter. Mr. Cooper now refuses to grant the release of the property while continuing to charge me for the monthly mortgage ( I haven't lived in the property since the closing ), as well as charging me for late fees, legal fees, and other charges. 

At the time I'm making this complaint, I'm also sending Mr. Cooper a demand that they rescind the late fees and other charges. 

Mr. Cooper made no attempt to contact me through e-mail, and terminated my online access to the account. I wouldn't be aware of the current situation had I not contacted Mr. Cooper of my own volition. 

The loan number from Mr. Cooper is XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MA

Complaint narrative:
I made my monthly payment online through the companys website on XXXX. The Money Source attempted to withdraw two payments from my checking account on XXXX resulting in three overdraft charges. When I spoke to customer service representative of the Money Source, they each stated they have no control over the portal ( their website for payments ) which resulted in {$90.00} in overdraft fees to my checking account and refused to credit my account for their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: NJ

Complaint narrative:
Collection company : XXXX XXXX XXXX Orginal creditor : XXXX XXXX XXXX XXXX XXXX Date of service : XXXX can not confirm, only provided date they received claim:XX/XX/18 Amount : {$250.00} This account has been listed on my credit report. I have reached out to XXXX  via phone ane certified mail asking for itemized proof and I have not received a response, or a response that does not indicate or prove the validity of the account, including proof : 1. I had the reported service 2. List of services charged for 3. The cost of each service reported Furthermore, XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX Collection Company provided me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. This is my second and final notice of this violation before I will proceed with legal action as prescribed by law against your organization and the creditor listed above unless this item is deleted from my credit report within the required time allowed by law. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I plead for help and a quick response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: NH

Complaint narrative:
I had an account that I opened with a company called XXXX. Its a rent to own situation you lease an item with an option to purchase. I bought a product using this service, completed the lease and then exercised the purchase option via their website. The website allowed for the buyout payment to be made in several installments. I made the required payments to complete the purchase as per my bank statements, but the company kept billing me erroneously after the account was paid in full. I changed my card number to stop the billing and never heard from them again. A year later I now have a {$1700.00} collection on my credit from a bill collector on this account that I believed to be paid in full. I tried calling XXXX but they are saying they wont even talk about the account because its been sold to the collector. The collector doesn't have any details other than the balance they show owed which is also showing on my credit reports. See attached for the original contract as well as bank statements showing the buyout payments on XX/XX/XXXX and XXXX. They then billed me again on XX/XX/XXXX after I show the account should have been considered paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received an alert from my XXXX XXXX app about a medical bill in collections ( date of service XX/XX/XXXX ) with XXXX XXXX XXXX MD account : XXXX. 

I contacted my insurance ( XXXX XXXX XXXX ) because I know I was covered on the date of service. XXXX  explained to me because XXXX XXXX XXXX wasnt my PCP it wasnt paid. 

I initiated a dispute with the respective credit bureaus and the debt collector. I also contacted XXXX. 

On XX/XX/XXXX I received a call from XXXX with XXXX asking me to grant permission to Transworld so they can further discuss my dispute. XXXX also alerted me that it is a NJ state law that I should not be billed due to the coverage plan I was under. 

I granted permission for the two parties to speak. XXXX spoke with Ms.XXXX  from Transworld explaining to her I was covered by Horizon, I shouldnt be billed as per NJ state law. Ms.XXXX stated she would update the file and adjust it accordingly. I still havent reached a resolution and today is XX/XX/XXXX. 

Debt Collector : Transworld Systems INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Doctor Office/Creditor : XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: MA

Complaint narrative:
Listed as COLLECTION Collection/Chargeoff new account New Accounts Lender No name listed Type Listed as other Balance {$1900.00} Status Date Reported XX/XX/2019 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name COLLECTION Original Lender COLLECTION  Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 7 Months Credit Limit Not Reported Highest Balance {$1700.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I called the number listed on the credit report. I was asked just my name told them and they said I have to transfer you to another person and gave me the phone number of XXXX then was transferred. The person who answered asked if I felt comfortable fiving him my full SS number I told him no, how the person I spoke to asked me my name and told me I needed to be connected to a different department, so he looked up my name and said nothing was coming up that I had to give him my full SS number. I told him no am just going to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I have tried for the last several months ( with the help of my husband ) to resolve my issue with the Bank. No resolution.

In XX/XX/2012, i was convinced by the Branch officer to open a savings account and make monthly transfers from an checking account i had with the Bank. We transferred {$100.00} and then {$10.00} a month. What I recently realized that the Bank was charging me {$5.00} a month in fees. In 6 months i was charged {$30.00} in fees on deposits of {$150.00}. Interest credited was XXXX cents.

This was not a best practice by the Bank. They should never have opened these accounts with these very high fees. Not in the best interest of me and the many other thousands of customers.

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 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  has been continuously trying to contact me for a bill that I do not owe. I have asked them not to contact me about the bill anymore because the bill is to be paid by XXXX XXXX XXXX who charged services that I did not receive from XXXX XXXX. When I informed XXXX XXXX XXXX that they need to remove the charges from the XXXX XXXX  card they did not and kept prolonging the removal of the charges. Initially, I began paying the bill each month for approximately 2 or 3 months, so that it would not affect my credit due to late payments and such. However, because they did not remove the charges from the XXXX XXXX  card immediately I stopped paying and informed them several times that they need to contact XXXX XXXX about the correction that should have never been applied to the card. After several months XXXX XXXX spoke with XXXX XXXX who only replaced approximately 80 % of the original amount. And, as stated above, I had paid them several payments in which I did not owe. XXXX XXXX is holding me responsible for the charges that I did not incur. XXXX XXXX continues to call me on the phone, send letters and contacting family members which does not live in my household. Collection agents are calling family members lying to them about why they are calling the family member stating that I used the family member as references. I have informed the collection agency to stop calling and would report them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
While attempting to look into the Public Service Loan Forgiveness program, I was given advice to consolidate my student loans via Naviant which in turn, made me ineligible for the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
We are a title company paying off Mr. Cooper. We received the payoff letter prior to close stating a good thru date of XX/XX/XXXX for {$76000.00} with a per diem rate of {$12.00}. The loan closed on XX/XX/XXXX with a wire {$76000.00}. Wire was sent on XX/XX/XXXX. On XX/XX/XXXX, Mr. Copper returned wire stating there was a shortage of {$290.00}. In the interim between the XX/XX/XXXX and XX/XX/XXXX we noticed prior to recording our deeds on XX/XX/XXXX that Mr. Cooper on XX/XX/XXXX had assigned the Deed of Trust to XXXX XXXX. We called Mr. Cooper to get to the bottom of what was going on. We spoke with XXXX and she said Mr. Cooper still retains the Note and Deed of Trust and has no idea about the Assignment. XXXX   Online also was showing that XXXX XXXX  is now the current note holder as well. After numerous back and forth with XXXX at Mr. Cooper and requesting numerous times to speak with a manager, a manager finally called me on XX/XX/XXXX stating the shortage was due to a foreclosure inspection report not listed on the payoff. A few things in that regard : 1 ) Mr. Cooper knew that this closing was taking place as the seller had to send them a contract with a closing date. Foreclosure proceedings were to take place in or around XX/XX/XXXX. 2 ) Mr. Cooper has not been timely with communication with the title company nor provided clarity with regards to the Assignment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC
State: MO

Complaint narrative:
I attended XXXX XXXX XXXX XX/XX/XXXXto late XX/XX/XXXX. I recently received a collection notice from XXXX XXXX saying that I owed {$8600.00} for a student loan taken out through XXXX XXXX XXXX through XXXX without my knowledge. I never signed for this loan, I never took this loan out and if they have anything saying I did, it was fraudulently taken out. I have never received any bills or correspondence regarding this bill until I got this collection notice in the mail. I am not the only student from XXXX XXXX that has this issue with XXXX XXXX. I am dealing with the XXXX XXXX right now for the Federal loans that I have ( they are in forbearance ), due to the fraudulent activities, lies and coercion I encountered while dealing with XXXX XXXX. I was lied to and told that I could transfer credits, I would be placed in a high paying position and I was told if I didn't sign up asap, the cost of the program was going to sky rocket. They had subpar equipment, subpar teachers and they told me they were accredited. I am not responsible for this loan ... I also did not finish the program, so how in the world did they manage to get {$52000.00} from me??? I have also contacted XXXX regarding the lawsuit that was filed against XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. There is also a lawsuit that was filed against XXXX XXXX - Case No. : XXXX, filed in the US Bankruptcy Curt for the XXXX XXXX of Indiana, XXXX Division. This lawsuit covers all XXXX XXXX students.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX, and XXXX have already recognized 'Ideal collections ' as a fraudulent account on my credit report. In fact, those agencies have sent certified mail to XXXX  showing the outcome of their investigations. Still to this day, XXXX refuses to remove this from my credit report. I still have no paperwork, records, etc ( only documents from XXXX, XXXX, and XXXX confirming this fraud ). So far, Ideal collections has only posted a fraudulent document that clearly shows forged signatures. My attorney has proof of signature authentication. I would like XXXX to follow suit with the other agencies and remove this fraudulent account. They claim that we owe {$6400.00}, for what I still don't know. A quick search online and you will find that these scammers are using the same amount with hundreds of other individuals. According to the CFPB they currently have 1,137 complaints against 'Ideal collections. ' All of the evidence is there proving obvious fraud. Again, all of the other credit agencies have recognized this as fraud, except for XXXX. I've had a clean credit report for over 2 decades, my FICO is currently XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hi. I have a student loan ( XXXX ) that was recently transferred from XXXX to XXXX XXXX XXXX last year. 

I send my payments to them through XXXX Bill Pay ( electronic transfer ). I pay {$70.00} a month. On XX/XX/XXXX I received my paper statement in the mail that said I had not made a XXXX payment. I immediately contacted the company, as in fact, I had made the payment on XX/XX/XXXX through XXXX Bill Pay. After several calls and being bounced around by multiple people who claimed there was nothing they could do if it was not showing on my account ( and a representative who hung up on me ), I finally spoke with someone who said they could submit a ticket to accounting for review. I told them to place my account on hold while they investigated so I would not have to make payments in the interim. As you can imagine, I did not want to send money to a company who lost my money. At this time I also emailed them the Proof of Payment from my bank. I am attaching the proof of payment and complete email string of this communication. 

After not hearing back from the company, I called to follow up on XX/XX/XXXX. They told me there was no update and it was still under review. I again stated that I wanted everything noted on my file and that I did not want to be sent to collections/credit bureaus for a payment I had made. I then repeated that the understanding I have is that I will not be making payments until this is resolved. I also asked them to verify that the collection paper letter I had received was not meaning I was being sent to collections/credit bureaus. The woman told me they were unable to stop the paper letter, but I had nothing to worry about with credit bureaus/collections. 

On XX/XX/XXXX I was alerted that there was activity on my credit report by a monitoring service I have. I saw that it was from XXXX. I sent them an email immediately. They responded that it was still in review ( on attached email ). 

Today, XX/XX/XXXX I contacted them and XXXX again to find out what I can do about this. I need help. I made my payment on time. I made a subsequent payment of XXXX amounts due today because I can't keep holding on sending them payments and ruining my credit. This is unacceptable. I need help. I desperately need you to help me so this company does not mismanage my money and then destroy my credit that I've worked so hard to get. Please. Please. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I previously filed a compaint ( Complaint Number XXXX ) where the credit card company provided a response. The response provided by the credit card company failed to address the underlying context of my complaint which was that I received a targeted offer with a Unique ID number specifically linked to me. This was not a general offer to which I applied to. After meeting the conditions of the offer, the credit card informed me that I did not qualify for the offer. How could I have not qualified for the offer if I was targeted with a Unique ID number. The credit card company would have had all information on me considering that I have been an American Express card holder since XX/XX/XXXX and would know of all credit cards that I have had since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
They constantly calling looking for our son claiming they need to contact him about a debt he owes regarding medical care. They used other peoples names ( spoofing ) on the caller Id to avoid us from finding out who is calling, but the phone number is always the same. They call at least once a week and have been doing so for over the last year and they never identify themselves on the phone. They ask that you return the call to the number that they are calling from but the caller ID shows an individual 's name. We know our son owes no medical bills because we paid them all. We have never received any written notice about a bill owed.

Company response to consumer: Closed with explanation