vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX just showed up on my credit report for {$740.00} dollars for back in XXXX. 2018. I already moved to XXXX in XXXX of 2018. That debt is not mine nor did I go there for medical attention. I already had moved.

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 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I want to report PayPal credit for continuing to make harassing phone calls on both my cell phone and home number. My home number is not even listed and not an authorized number for them to be contacting me on and they are still continuing to call me there. I have scheduled an automatic payment that is to be pulled later this week and I am still receiving annoying harassing calls!

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 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IN

Complaint narrative:
In XXXX I experienced financial hardship as a self-employed XXXX in XXXX Indiana. The servicing company at the time refused to allow me to catch up my payments which were around 5 or 6 months behind. They moved to foreclose on my home and refused to take any sort of repayment plan. I was forced to file bankruptcy in XXXX. 

That bankruptcy was eventually withdrawn per advice from my attorney. I then attempted to make arrangements with the new servicer Fay Servicing. On XX/XX/XXXX I had turned in hardship packets to Fay asking for some sort of modification on my loan. The interest and fees were as much if not more than the principal balance. Fay never responded to my request. 

Fay eventually refiled foreclosure to which we are currently still working in. I have hired a real estate agent who has listed the home and has brought a reasonable offer to Fay. All cash. My property has some physical repairs it needs due to being at the bottom of a hill on a lake. 

The agent helped me turn in a hardship package, again. The offer then came in. Fay failed to respond to the offer and the hardship packet. The agent pursued communications but couldn't get any answer or direction from Fay all the way up to the day before Foreclosure. So I was forced once again to file for bankruptcy to help stay the foreclosure and give me a chance to still deal with this situation. 

Over the last several months I have fallen ill with XXXX XXXX. I have sent proof to Fay. Didn't help. The agent spoke to a manager trying to get the short sale approved and the agent was informed the hardship packet was not complete but when the agent requested the manager re-review, she said it was sufficient. 

At this time, I think I just need some help. Fay seems disorganized and unable to address my account. I do not understand my total balance due and why it is so high in comparison to my loan balance. I don't understand why they will not let me short sell the house and why they would tell me my paperwork is not right when it was. 

Any and all help is welcome. I just need to get on with my life and deal with my health. I wish to sell the home and be relieved of any additional debt. I can not take care of the property any more due to my agent and health. I do not understand why it seems like I am the only one trying to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
After weeks of waiting I was told SunTrust bank would not refund me the XXXX in fees that occurred due to how they handle my overdraft. I set up a over draft protection as directed by bank employee at SunTrust in XXXX XXXX, MD branch. It says it has a {$5000.00} limit which at the time it kicked in when my account went below XXXX. stopped working after only XXXX items went thru ( they charged me $ XXXX/day for unlimited items, that was the agreement at the time I set it up ) Out of the {$1000.00} in bank fees I was charged only XXXX of those are what I agreed to pay {$38.00} /day unlimited items. I was returned only XXXX of these fees and was told it was not a bank error that it was linked to another card even though it has a different number and when I check online has a different available credit. So it stated I had over XXXX $ available but after XXXX $ they cut off the line and returned XXXX items and then charged me {$38.00} per item returned. I don't see how this is possibly legal? and if it is something should be done to make it not so!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I recently applied for a car loan, when applying they found that Mortage payment has been late for the past two years, when I contacted the Mortagage they informed me I missed a payment in XXXX of 2017 but I made a double payment in XXXX to catch up..but even if that's true why am I being reported for being late on the payments for two years? The Mortage company also has my payment on the credit report being {$1300.00} and my actual pay XXXX..my Mortage was bought by this company about the same time all of this started to happening, I've been paying {$1.00} for the past year thinking im paying extra when they are reporting that I'm short every month.I was paying threw their automated system before I started paying threw my bank bill pay account and I have all of the payments I've made for the past year

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX XXXX XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS XXXX, EQUIFAX, XXXX AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX XXXX XXXX PRESIDENT OF US INFO, AND XXXX XXXX EXECUTIVE VICE PRESIDENT OF XXXX XXXX AND XXXX XXXX PRESIDENT OF EQUIFAX LLC, AND XXXX XXXX SENIOR VICE PRESIDENT OF EQUIFAX LLC AND ALSO XXXX XXXX PRESIDENT OF XXXX XXXX  XXXX AND CORPORATE CHIEF CLIENT OFFICER OF EQUIFAX, ALONG WITH XXXX ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT EQUIFAX AND ALSO XXXX XXXX XXXX VICE PRESIDENT AT XXXX XXXX! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have contacted GLA on numerous occasions via mail and certified mail and they refuse to acknowledge me or any wrong doing. They are reporting to my credit reports a collection for a bill that was never billed to me. I have never received a bill from this provider and given the opportunity to pay. They have illegally obtained my name from this provided and have violated my HIPPA rights. I would like to see my signed signature stating I have released these records to this company to pursue payment. I have disputes through the credit bureaus and they have also refused to remove from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I opened an HSBC Advanced checking account on XX/XX/XXXX because of a bank promotion of sign-up bonus of {$350.00} upon completing all qualifying activities. I completed all the required activities and the bank did not deposit the bonus in my account per the published timelines. After following up for several weeks, I was told that I could not qualify as I had an open Home Line of Credit with them in the past 3 years. 
This is not true as I requested to close this account in XX/XX/XXXX during the refinancing of my home and I have paperwork to support it. For some reason, HSBC made an error and it does not shows up as closed in their system until much later. I am getting penalized for bank error as I moved {$10000.00} from an interest bearing account to HSBC checking account with no interest with an expectation of getting the sign-up bonus. 
I will appreciate if you could help me resolve this matter. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC
State: NY

Complaint narrative:
On or about XX/XX/2018, I made a {$6000.00} payment to XXXX XXXX XXXX XXXX ( XXXX ) drawn on my Bill Payer account with XXXX XXXX XXXX XXXX XXXX, which employed XXXX XXXX ( XXXX ) to make the payment. 

Due to an error in my calculations, the check was returned for insufficient funds on XX/XX/2018. 

Even though the {$6000.00} was returned to XXXX by XXXX, XXXX keeps trying to collect the money again. 

I have communicated with XXXX and its first collection agency ( XXXX XXXX XXXX XXXX, XXXX ) several times, sent them a copy of the statement, and even sent them a letter from XXXX confirming that the money was returned, but -- instead of investigating -- it ignores whatever I send, and has now turned it over to another collection agency ( Audit Systems Incorporated ). 

I am afraid that they will besmirch my excellent credit record, and perhaps even sue me for money I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: MI

Complaint narrative:
I was contacted by phone and through email with messages advising me I have been approved for a payday loan. They emailed me on XX/XX/2019 saying I was approved. I called them and the terms of the loan were described to me inacurrately and they violated State Law in Michigan by offering this loan. This company put false claims and false information in the loan contract trying to make it seem like this payday loan was legal, however, after doing my research they do not have a lending license in Michigan, the APR on the payday loan exceeded the maximum amount allowed by Michigan law, they made false claims how Michigan law doesnt apply to them because they are a tribal lender, they stated in the contract that I could revoke ACH authorization any time by emailing them and when I emailed them to do that and advise them that this loan is illegal and that I am bound by my state laws not theirs and also asked to be provided a license number to prove they were licensed to lend in the state of Michigan or I would file complaints with the FTC, the XXXX, and my attorney general of Michigan I received no response. However, from that same email address I wrote my email to on XX/XX/2019, they are pretending they never received any email and continuously emailing me with payment reminders and stating they will be drafting from my account automatically in a few days. I revoked all wage assignment and made it clear to cease and decist all contact by telephone to me, my employer, or any reference I provided them on the application and I will only communicate by email with regards to this matter. Even after my cease and decist demand they have still contacted me by telephone completely ignoring my demands. After taking the loan I did some research and found out that if I feel a lender violated Michigan law then I should notify the lender in writing that they have violated law and the lender has 3 days for a decision. If it is determined they did violate the law which they did multiple times then the lender is required to pay the borrower 5 times the fee ( minimum {$15.00} ) associated with the loan. I sent this letter to the email address I was provided on XX/XX/2019 and they have not responded to me or even acknowledged the email, but again they keep emailing me demanding payments and saying they are going to debit my account from that same exact email I wrote my letter to. Multiple laws have been broken and they are not responding to my demands or my emails, they are still providing illegal inaccurate information, and I would appreciate any help I can get to shut this company down. They are operating illegally and taking advantage of consumers. Thank you for taking the time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
My ( XXXX XXXX XXXX XXXX ) escrow account was short for this year because we had built a new home and taxes were based off the lot appraisal only. I ( XXXX XXXX XXXX ) contacted Penny Mac Loan Services on XX/XX/XXXX. Because our escrow was short we were making a payment of {$1700.00} to make up the shortfall. I decided to make one lump sum payment of {$2800.00} to pay off the escrow shortfall with a confirmation number supplied by Penny Mac Loan services of XXXX. It was drafted from my bank on XX/XX/XXXX. 

I very specifically asked if our new payment of {$1300.00} ( normal payment less escrow shortage ) would start on XX/XX/XXXX. The Penny mac representative assured me my new payment of {$1300.00} would be effective that date. 

On XX/XX/XXXX I logged into my Pennymac account and noticed it still showed {$1700.00} due on XX/XX/XXXX. I again called Penny Mac customer service. They again assured me only the correct amount of {$1300.00} would be billed to my account on XX/XX/XXXX. 

On XX/XX/XXXX my autopay payment had not been subtracted as normal. I called to verify that no changes had been made that effected autopay. They stated that the payment would be debited on XX/XX/XXXX because the first was the Friday. And stated for now THE THIRD TIME that my payment would be {$1300.00} as I had paid off the escrow shortage completely. 

On XX/XX/XXXX. After three different representatives stating my payment would be {$1300.00} because of paying off the escrow shortage in total Penny Mac billed me {$1700.00}. They stated they " messed up ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-04 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: VW Credit
State: TX

Complaint narrative:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have requested numerous times that and a XXXX be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I contacted Ability Recovery in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my XXXX credit file. Per XXXX, this account is valid per Ability. This is not my account and this collection is causing a major detriment to my credit file.

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 2019-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase implemented the support for XRP cryptocurrency and when I pulled up the deposit web form it showed only the wallet address, it did NOT show an XRP tag, so I completed the transfer and it said it would take 10min, after 20min I checked my wallet and it was not in there, so I opened up a support ticket, they said that the form should have had a wallet address and an XRP tag number which mine did not. I even sent them a screenshot of it showing no need for the XRP tag when I pulled up the deposit form on their site. They proceed to tell me they can not put the currency that I transfered to their wallet in my XRP wallet when this was NOT my fault in ANY WAY!!! This is a fault with their site and DEV team letting people submit transfers without their system being fully operational and in no way did it say any tag requirement when I made the transfer and I have proof of that. They need to fix this or I will be pushing the issue legally as this was NOT MY FAULT because their site was not fully functional since implementing their new XRP support wallet!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-03-04 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: CA

Complaint narrative:
I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

XXXX XXXX  XXXX  XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief