vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I contacted Specialized Loan Servicing ( SLS ), my home equity servicing company to request a loan payoff. I was emailed the payoff which had a payoff date of XX/XX/XXXX. On XX/XX/XXXX I wired the amount requested on the payoff as instructed in the letter and was under the impression that my loan was satisfied and paid in full. On or about XX/XX/XXXX, I received a call from SLS, stating that the payoff amount was incorrect and they need an additional {$4000.00} for attorney fees that I was not aware of. I told the representative that I would need to speak with my attorney and if they could provide me with an invoice showing what the additional charges were for. I requested to speak to a supervisor and was told that one would give me a call back in 24 to 48 hours.  I did receive a call from the supervisor and was told the same thing about the attorney fees. I explained to him that it is not my fault that they ( SLS ) issued the incorrect payoff letter and now I was being penalized for their error. Needless to say, with the holidays and I could not afford the additional {$4000.00} and notice that on XX/XX/XXXX a deposit was made into my bank account for the amount I originally wired on XX/XX/XXXX. When I called SLS to complain again on XX/XX/XXXX they were no help and gave me the attorney 's contact information to get an invoice. I spent over 2 hours on the phone with no resolutions. I told that a new payoff letter was mailed to me on XX/XX/XXXX with a payoff date of XX/XX/XXXX, which is impossible considering that it takes more than 2 days for delivery of mail. I finally tried to get a new payoff letter from them and was told that they can not email payoff letters, which they did on XX/XX/XXXX and I would have to wait for the mail. As of today and almost 2 weeks, I still have not received the payoff. I reviewed a statement that they sent me and it shows that for the entire month of XX/XX/XXXX they charged me interest against the loan even though they received my wire on XXXX and kept it until XX/XX/XXXX, causing me to loss interest while they charged me interest against the loan. This is completely unacceptable that they can charge me interest wile holding my funds for 11 days with me losing interest. I spoke to representative on XX/XX/XXXX and she was of no assistance informing that they never applied the funds to my loan so they can go ahead and charge me interest since the funds were never applied.

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 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CO

Complaint narrative:
I tried to apply for a job with XXXX and XXXX.. the background company checkr reports that my license is expired ... I went to the dmv and paid for a drivers license record ... I sent the record via email to checkr.. they sent me another background check when the same wrong information ... they told me they get their information from the dmv ... but if I got my record straight in person from the dmv they should fix their misinformation .... my commercial drivers license is canceled at the moment but not my regular license ... in the middle of the front page is where to find the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Access Receivables of NC Inc.
State: PA

Complaint narrative:
I received a letter dated XX/XX/19 from Access Receivables about collection. I was out of town when the letter was received but on XX/XX/XXXX wrote a letter to the company requesting validation of the debt. I have continued to get daily phone calls and messages- many while I am working. I called them back today and reiterated that I have requested validation and will not talk to them - not to call me - while I have not received validation. The rep began to argue with me that they will not send me a personal letter and how else are they supposed to contact me. I reminded her it is my legal right to request validation in writing and they are disturbing my ability to work. She STILL did not say they would not call or that they would send me a letter ( as I understand is required ) and raised her voice so I terminated the call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
# XXXX response from Ally Bank on this complaint should not be accepted by me or by cfpb. 

For the bank to hold my money for another 60 days after already holding it for over t 30 can't be allowed. This is a significant amount that is needed by me to pay bills and college tuition. 

What right do they have to hold onto my funds for up to three months depriving me of interest and access.

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 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Hello, LVNV Funding LLC is attempting to collect a balance of {$850.00}, a chargeoff from XXXX XXXX. 

LVNV is reporting as the original creditor and showing a credit term of 1 months. This is blatantly false information. When I dispute with the bureaus they just say " disputing '' or " verified as accurate '' and never provide proof. They can not verify this as accurate as they practice shady collection tactics and it is well known.If LVNV wants to play original creditor I require them to provide proof of an agreement with their company to the terms. 

LVNV claims not to be a collection company at all, but a subsidary acting on behalf of Resurgent Capital. 

Further, I have never received a dunning letter from LVNV funding which is required. If they dispute this fact I would urge they be required to provide proof. 

LVNV has reported incorrect and damaging information concerning the alleged debt to credit reporting agencies in violation of the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Wakefield & Associates has contacted me about a debt that does not belong to me and at this point they have reported it to the credit bureaus which have negativly affected me. I have tried to contact them on a couple occasions. I have no knowledge of the debt that they claim I owe.

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 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I went online to access my checking account. I noticed that my balance was extremely low. I then saw that on XX/XX/XXXX two fraudulent checks had been cashed -- one for {$9300.00} and the other {$8900.00}. A substantial amount of money. I immediately contacted my bank, froze the account, and requested an investigation. I then went to a branch, told the very sympathetic and helpful employee my tale, and opened a new checking account. I was told that in most cases the investigation takes 14 business days.

It is now XX/XX/XXXX. I have filled out an affidavit which did not arrive at my home until XX/XX/XXXX or XXXX. It was dated XX/XX/XXXX. I had it notarized and mailed it. I was told claims received it on XX/XX/XXXX -- over two months after my initial call to the bank. Needless to say, I'm frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX, Wells Fargo Bank was involved in online banking with my name and social security number. I received statements from Wells Fargo regarding several open checking and savings accounts. These accounts were opened using a fraudulent name and address and social security number. Upon receiving this statements, I immediately contacted Wells Fargo to report the identify theft. 
On XX/XX/XXXX, I received a letter from Wells Fargo saying that Wells Fargo will be closing the accounts on XX/XX/XXXX due to reports of identify theft. This is weeks after I reported the fraudulent accounts. 
On XX/XX/XXXX, I received a statement of accounts from Wells Fargo to let me know that my account options are online banking and my spending report. I immediately contacted Wells Fargo and their fraud department and I received a run-around. I talked to 6 different people, which are noted on the attachments, and received no satisfaction. 

I have never done online banking and Wells Fargo put me in jeopardy by not doing not doing any investigation by opening accounts, without proper verification. I have included two documents which I hope will shed light on this injustice done to a senior citizen. I am approaching my XXXX year and I can not believe it takes someone online minutes to open up a fraudulent account and it may take weeks or months for me to resolve this problem.

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 2019-01-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Credit inquiries not authorized by me were added to my credit history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
I purchase my single-family home in XXXX for XXXX. It was refinanced in XXXX ( victim of sub-prime lending practices ) loan was serviced by XXXX from XXXX in which qualified and was accepted in the ( HAMP ) program. In XXXX, XXXX XXXX  sold mortgage to XXXX XXXX XXXX ( who forgave XXXX ) of the debt through the Mortgage Debt Forgiveness Act .In XXXX XXXX sold my mortgage to Fay Servicing LLC ( who was recently sued by your agency for consumer 's protection violations. ) Fay Services arbitrarily and without notifying me in writing changed the terms of mortgage to an adjustable rate mortgage set to " balloon '' in the next few years with a mature date of XXXX. I have already invested 22 yrs. and with this loan rewrite it's like starting all over again. I'm XXXX years old and XXXX with SSI benefis as my only source of income. Can Fay Services do this? Do I have any other options? Was the HAMP program in force when it was sold by XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: DISCOVER BANK
State: FL

Complaint narrative:
I went to buy a phone on XXXX and they told me my card was not working the lady that work there used my card without permission i contacted XXXX more then 60 times and they refer to my credit card company my credit card company send me to XXXX. i contacted the police and they told me since they dont keep video past 30 days to contact my credit card company since its fraud. my credit card company Discover send me to XXXX. and the circle continues. i didn't get anything from XXXX i didn't authorized the cashier to used my credit card for her personal used. she not working with them anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: AL

Complaint narrative:
It looks like they are saying I owe a bill from XXXX XXXX of XXXX from XX/XX/XXXX. Ive contacted the company multiple times and they dont have anything in the system about/for me. Its basically showing me as non existent. I asked SCA Collections to verify the debt, but they couldnt & mailed something on XX/XX/XXXX thats totally in violation with the HIPPA law. Its a bill thats been reported wall 3 credit bureaus and having a negative impact on my credit for {$94.00}. I even offered to pay the debt without verification because of the damage its doing to my credit and SCA wont allow it! Im very disappointed in this unfortunate situation and really need help! Ive contacted the 3 credit bureaus of this situation via mail and Im currently waiting on a reply. I just want someone to actually listen and help with this situation.

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 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Closed my accounts with HSBC in XX/XX/XXXX or XX/XX/XXXX Received notice that there was a charge on my credit card in XX/XX/XXXX. Disputed and explained that these accounts were closed. Was told they would close my account Got a credit card statement again from them Called again and explained that accounts were closed. 
HSBC opened up a NEW credit card for me without my authorization Called again and was notified that they closed my account. Received a letter stating the same. 
Received yet another credit card statement from them in XX/XX/XXXX. 
Called again to have them close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
After applying for the Capital One Venture card ( on XX/XX/2019 ), I received a denial stating " Based on your credit report from XXXX XXXX, length of credit history ''. 

However, I have over 30 years of credit history with XXXX XXXX. I do not understand the reason I was turn down. 

I tried to get an explanation from the customer service department, but they stated that they have no information concerning this credit card rejection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I strongly disagree with the PayPal 's abrupt decision to permanently limit my account. The reason to close my account due to security issues is very obscure and is quite contrary to the way that I operate my business. All the transactions/orders have been fulfilled and shipped to the customers. Over the last 6 months of operation, I had zero disputes on my account. Furthermore, I have provided PayPal the suppliers invoices as requested, revealing my personal information and my supplier, and that significantly concerns me and especially my supplier as a breach of privacy. 

I have submitted a letter of appeal to PayPal but I have no received any response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. I am a XXXX Consumer from  California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX XXXX XXXX To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before 8AM is not allowed. 

This complaint also involves the parent company LDF Holding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DMB Financial, LLC
State: FL

Complaint narrative:
I hired DMB Financial to help me with my credit consolidation 4 years ago. I completed the program in XX/XX/2018, all accounts paid as agreed. I have made numerous calls requesting the end of program letter, to reflect that I have finished the program and have the extra money I paid, that remains in the account, refunded to me. I left numerous voicemail messages asking for a call back with negative results. When I do get someone on the phone they always say they have to email a different department for a response and that someone will call me back. I am attempting to purchase a home and need the end of program confirmation letter, and the 5 accounts I paid in the credit consolidation, be reported to credit bureau correctly. Part of the services I paid for was all that I just mentioned. Apparently, they are quick to take the money but don't follow through as agreed when I signed up with them. I need this resolved as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have already filed one complaint against Discover Student Loans, but this warrants another one. First I have tried to work with Discover Student Loans since XX/XX/2018. I had send multiple payments to them for the two student loans that we had with them and the money was not credited. It took until XX/XX/2018 to locate the money that had the wrong account number on. In XX/XX/XXXX they had been provided with documentation from my bank of proof of payment and yet, they were not able to locate it until I filed my first complaint here. They then located the money and place it on the only open account that we had with them that was being refinanced. Only part of the payments sent were for the one remaining open account, the other money that had been sent was for the already closed account. I had sent numerous emails, faxes and made way to many phone calls regarding this matter. I had specifically stated that the money be returned to me once recovered as the loans were paid off. In XX/XX/XXXX I received a letter of proof of payment and payoff of Loan XXXX. In XX/XX/XXXX I received a proof of payment and payoff letter for Loan XXXX. NFCU refinanced loan XXXX in XX/XX/XXXX with the payoff amount provided by Discover Student Loans. Today I received an email stating that I owe approximately XXXX on a loan that I have received a payoff notice for. They obviously have severe issues with their accounting department on how and when payments are made. I can't have documentation that states my balance is XXXX and have payoff letters saying Congratulations your loan is paid and then owe money. On top of all of this, they have posted incorrectly on my son and my credit report, which I have tried to get repaired as well. I have a 30,60 and 90 day late listed on my credit history, when in fact we have paid on time. I have sent supporting documentation from our statements and statements provided by Discover Student loans that we have paid on time. I have never received a 30, 60 or 90 day late notice from Discover Student Loans and have never received a late fee. I have contacted all three credit bureaus back in XX/XX/2018 due to this error, because it messed up us trying to get the final loan refinance. I have also submitted documentation to Discover to fix this error, but that hasn't been done either. I don't expect them to fix anything since they can't even maintain proper accounting for their loans. I want my son 's and my credit history fixed. I have no late credit on anything for the past 30 years, yet all of a sudden it's with XXXX who can't get their act together. Something should be done about the time it takes them to handle problems with their loans that they have created and how they report to the credit bureaus wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nationwide Recovery Systems, Ltd
State: WA

Complaint narrative:
They call prior to XXXX PST

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I don't have an employer and I've asked the TransUnion, XXXX credit reporting company to leave that space blank and they have ignored me. 

The employer status has been reported for over 10 years to date by Transunion, XXXX. XXXX finally removed the employer status and post office box from my report this week. 

I requested for my telephone number to be removed from my credit file reported by XXXX and any other credit reporting companies that are reporting in my name. 

Experian is reporting a post office box for my address which the mail is undeliverable and belongs to someone else. 

I've asked them not report any variations of my name only report my first and last name. 

Also, I requested to not report my social security number and birth date on my report they ignored that too. 

I requested my free credit score from them but I was told I had to pay for it.

Company response to consumer: Closed with non-monetary relief