vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS is a medical collection agency that has been sending me collection letters for {$1000.00}. 
I sent the a letter requesting the address of the medical provider so I can go there in person to check why am I getting collection letter and instead they responded that they represent physicians who provide services in healthcare facilities throughout the country. And then they mentioned that in response to my request for verification of debt they have listed this information : Creditor : XXXX XXXX XXXX Account XXXX Amount owed {$1000.00} Service date XX/XX/2016. 

Not only are they not sending me the signed medical registration I requested from them. But as you can see, there response is vague. I don't know who XXXX XXXX XXXX is to g and investigate myself and they don't give me address, name of doctor or telephone number to the medical facility. And also if the service was 2016, why are they violating statute of limitation law if there time expired.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Today on XX/XX/XXXX, my wife received an unsolicated application in the mail that was open with the application removed. I tried calling Capital One to flag the application and they wouldn't do anything without giving out personal information which we did not want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
35 years ago I opened an account @ Bank of America, it was a no-fee account, with no minimums, no direct deposits requirements, a totally free checking & savings account as long as I didn't overdraft, which I haven't. In today 's mail, I get a letter from them telling me if I don't meet certain criteria that they will charge me {$12.00} per month. I signed a contract/agreement with them 35 years ago, how can they change the terms in a blink of an eye and start charging me?

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 2020-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commerce Home Mortgage, Inc
State: CA

Complaint narrative:
Commerce Home Mortgage has been attempting every month since XX/XX/2019 to collect on a mortgage they no longer own. Every moth its the same, we call in to dispute, they apologize recognize they have sent out a goodbye letter and say they will take care of it. Next month here comes another bill requesting all back payments through current. Clearly they are attempting to collect on a debt they do not own anymore and have been informed multiple times and acknowledged such. It is a waste of our time to sit on hold and waste our time for their dishonest/lazy behavior. I cant help but wonder how many people may have actually paid these people in error. I feel this is harassment at this point and will be seeking legal advice next.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
Setup a settlement payment plan with Cash.Net USA. I made 4 payments of {$320.00}. I was 10 days late on 5th payment. Instead of working with me to resolve the remaining balance of {$640.00}, they now want {$1900.00}. A {$1200.00} increase for a 10-day late payment is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan was acquired by XXXX  XXXX XXXX XXXX, associated with PHH Mortgage Services - after I fell behind two mortgage payment, I reached out to them to resolve the issue - they proposed a repayment plan over 6 months to rectify the issue - I followed through on my part of the agreement, and sent them two checks, which were good, for the first two months of the repayment plan - they held each check for a month and then returned them, stating because my account had insufficient funds for the second mortgage payments, which I had already I acknowledged I missed in reaching out to them, that the repayment plan was now void - this despite the fact the agreement proposed by XXXX XXXX, to which I agreed, was made two weeks after the two missed mortgage payments - I have been in touch with my Case Manager, XXXX XXXX, but he was unwilling, or unable, to resolve their mistake - they have now pushed my mortgage into foreclosure, this when it was XXXX  XXXX XXXX  company who did not honor their part of our agreement, which was both recorded in audio by them, and to which they sent me a letter acknowledging that agreement - this company has numerous complaints against them, according to the XXXX XXXX XXXX website, and should be investigated for fraud - all they want is the deed to my property..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am the owner of a coop my mother purchased in XX/XX/XXXX. The proprietary lease was transferred to my name in on XX/XX/XXXX. My mother, XXXX XXXX, passed away on XX/XX/XXXX. After my mothers death, I learned that the mortgage associated with the coop is not in my name. It was in my mothers name and my estranged uncles name, XXXX XXXX. 

Since my mothers passing, I have moved into the property tied to the mortgage and have made consistent monthly payments ( over {$4000.00} in XX/XX/XXXX alone ). I have made several attempts to contact PHH Mortgage Services regarding transferring the mortgage solely into my name as this is my property, primary residence, and a debt I am paying off. I provided all documents required to initiate the transfer including my mothers death certificate, my photo ID, certificate of title registered to my property, and court order transferring the property to me. 

Despite all this, PHH Mortgage Services refuses to speak with me as my name is not on the mortgage. To make matters worse, PHH removed my mothers name from the mortgage after I submitted her death certificate. The lien is now in my uncles name/social security number a person I am no longer in contact with and who has no link whatsoever to the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: NC

Complaint narrative:
Yes my dispute relates to all three credit reporting agencys. But the most troubling is XXXX. Igor instance we can look at an account on my report under university  XXXX XXXX. I just got off the phone and the multiple representatives I spook with said this account has been verified accurate but the university. But according to paperwork sent to me by the university its inaccurate. Ive disputed the account numerous times. They have yet to correct the issue. On top of this Im unable to get my free annual report. They are mailing my dispute results to my current address and previous address with different names on the report. Im getting mail forwarded. Ive tried to tell them there is an issue with this and they have not been willing to help. This is really affecting my quality of life. This university XXXX XXXX account has been given to a collection agency even though I was first enrolled in XX/XX/XXXX and later in XX/XX/XXXX both of the dates should fall into the lawsuit with them. This account is only showing a charge off EVERY MONTH SINCE XX/XX/XXXX. Its being updated in a way to appear newer in my report than it is. XXXX is impossible to deal with and Im getting tired of not getting help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XXXX, XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX opened XXXX {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XXXX, XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX  opened XXXX {$250.00}

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 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My home is scheduled for foreclosure XX/XX/XXXX with fraudulent robo signed assignments. 
The loan was allegedly placed in a XXXX XXXX XXXX XXXX XXXX 2018 XXXX. This trust was created for the purpose of foreclosure only. The loan was toxic from conception. I mailed a qualified written request and also ask for proof of claim and neither were responded to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2020 I called transunion XXXX to tell them that for 4 years I have no access to the app The app is claiming that Transunion can not identify who I am which is incorrect. To only hear the reason why I have not been able to use the app is because I have to pay to see my information, an app is 2020 version of a website. Majority of people do everything from their cell phones in todays society no need for laptops. So now We the people are being extorted for access of our own information through the app. This is a violation of the FCRA. And should be held accountable. Trans Union is recommending that I go to a website that is government mandated for one free credit report the problem with that is TransUnion will never be held accountable for their miss deeds they will point the finger at the site and the site will point the finger at Trans Union ( I have had enough of that game ) 4 years and over 5000 calls of it.

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 2020-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Please assist in an additional attempt to a resolution with Bayview Financial Services in regards to mortgage of Estate Property as each attempt I have tried, they have responded with insufficient evidence, to support they're claim. 
Bayview Case Number : XXXX Regulatory Case Number : XXXX * I have enclosed the court record. 
* Bayview has both death certificates * Bayview has copy of my birth certificate, showing I am the sister of XXXX XXXX, additionally, they have aknowledged I live in the home. 

I can provide my spouses, XXXX XXXX sons birth certificate as well, if needed, as he too is a successor of interest. 
I can provide verification that we hold note, & Security Deed as well as the Quit Claim Deed to property. 

I understand Bayview is not familiar with the prior situations at hand, nor the disputes, or the questions concerning Mr. XXXX actions regarding the Estate. I am offering a simple gesture of accommodation, in hope of crediting Bayview, with good business ethics, as well as a mortgage company that works with they're clients in such a time of despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. XXXX, XXXX  and Transunion removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at XXXX. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. XXXX sent me a letter asking for my drivers license and social security card, I submitted the information to them.

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 2020-01-30 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: PA

Complaint narrative:
After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. XXXX, Equifax and XXXX  removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at XXXX. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. XXXX sent me a letter asking for my drivers license and social security card, I submitted the information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, Consumer received notification from Experian ( " hereinafter referred to as " Company '' ) that it would not remove an erroneous reporting of a 30-day delinquent report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) despite the fact that XXXX failed to provide proof that it provided Consumer with a written financial statement verifying the increase in monthly charges. Without this written verification detailing all proper and authorized charges, including any additional taxes owed, any 30-day delinquent notice for failure to pay these unverified charges is in error and should be removed from Consumer 's credit report immediately. It is not enough for XXXX to provide a lease agreement that shows that Consumer agreed to pay all taxes that may become due throughout the course of the lease. Instead, XXXX is required to provide the Consumer with a written financial statement that details the additional tax as it becomes due, including the exact amount, tax rate, and to which jurisdiction this amount is owed. Otherwise, any increase in monthly charges, including charges for purported taxes, beyond the contracted amount, is unverified and therefore unauthorized. XXXX never provided the Consumer with a written verification of the purported additional taxes and also failed to verify such taxes via verbal conversations over the phone. Instead, the Consumer was given  conflicting and mixed responses by XXXX 's representatives. For instance, at one point a XXXX representative informed the Consumer that the additional monthly tax was for state sales taxes despite the fact that the Consumer had already paid the state sales taxes via her car title and registration application. As a result of this lack of verification and conflicting responses by XXXX and its representatives, the Consumer did not pay the unverified and unauthorized charge of {$710.00} for the month of XX/XX/XXXX. Per Consumer Fraud laws, the Consumer is not required to pay any unauthorized charges. In conclusion, the 30-day delinquent notice reported by XXXX for Consumer 's failure to pay the unverified and unauthorized monthly payment of {$710.00} for the month of XX/XX/XXXX is in error and should immediately be removed from Consumer 's credit report by Experian.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had two accounts with Citi bank, one was as double cash credit card and the other was a Sears credit card, I had been saving my cash back for a special occasion and had accumulated {$1400.00} in cash back rewards ( last statement attached ), on the Sears card I was also saving my points and had accumulated XXXX Citi thank you points ( last statement attached ) which are equivalent to a {$740.00} gift card. Out of nowhere Citi decided to close my accounts and they refused to give me my {$1400.00} cash back nor my XXXX Citi thank you points stating that when an account closes I forfeit any cash back and points. I have the card agreement for Citi and there is no forfeiture of rewards disclosure ( agreement attached ). Secondly, the card agreement states Citi may cancel my accounts for no reason or any reason, I asked for a formal reason from Citi as to why the accounts were closed and they did not state it was for no reason which I understand does fall under the card agreement parameters, instead they stated the cancellation for both accounts was simply due to me paying my balance via money order ( cancellation reason attached ) which is in violation of my rights as a consumer. All in all I belive its an unfair business practice for Citi to garnish a total of {$2100.00} in rewards that rightfully belong to me. I have reached out to them and offered to submit any documentation they desired in order for me to keep my accounts opened or in order for me to receive my earned rewards but they declined.

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