vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gordon & Wong Law Group, P.C.
State: CA

Complaint narrative:
I satisfied my debt on XX/XX/XXXX. The law office that handled the collection placed a lien on my home and as of XX/XX/XXXX, the lien has not been removed. This has prevented me from obtaining title insurance and prevented me from selling my home. 

My county recorders office informed me that the law office had improperly completed an Acknowledgement of Satisfaction of Judgement and therefore, the lien can not be removed. 

I contacted the law office on XX/XX/XXXXand informed me of the problem. They told me to have the title company send them a " demand in escrow '' which they did immediately. The law office never responded to this demand. I have contacted the law office numerous times but they will not respond to any of my e-mails. I finally received a response on XXXX where XXXX XXXX, director of operations stated that they would re-file the proper documentation but only after their notary returns the following week but to date, nothing has been filed and the law office won't return e-mails or give me any updates. 

I reported the lawyer to the California State Bar for misconduct and I sent a copy of the complaint to the lawyer. I received an e-mail from the lawyer in 11 minutes stating that they intended to file the correct paperwork however, this has not been done as of this date. This is holding up the sale of my home and I have now lost the pending sale. My debt was satisfied 3 years ago and the Lawyer has the obligation to remove the lien from my property. California law requires the lien to be removed within 15 days of the debt being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a nordstrom visa creditcard (issued by tdbank ) was closed by the grantor in XX/XX/XXXX, and there were pending charges on nordstrom.com were canceled. As a result, now I have overpay the balance, since all orders were canceled.  i want the bank refund the money how much i overpaid . I have called and talked to the customer service a few time and they said would call me back and never called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo Business Platinum Card ending in XXXX:Over limit fee of $XXXX was charged to my account on the following dates: XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 & XX/XX/19 for a total of $XX/XX/XXXXI Contacted WF on XX/XX/19: CSR (female didn’t get her name) looked into it and I was told that this was standard fee for going over the limit. I asked if I could remove that feature and was told no. It was explained that my option was to pay closer attention to daily balance, make more frequent payment(s), and/or use a different card. I then informed her (WF csr) that I never opted in (knowingly) nor received any confirmation of such an opt-in; which is require by the Credit Card Act of 2009. At this point the CSR promptly offered to refund 2 of 5 the fees. I explained there was 5 and she said she would refer me to another dept at this point.WF Customer ??? dept CSR XXXX took over and I explained the situation to him. I did also request some proof that I knowingly opted-in and that WF sent confirmation regarding the over limit fee. He said he would look into this and get with his supervisor. He came back on the phone and asked what months had the over limit fee so he could get approval to get them refunded/reversed. After 5 mins or so on hold he came back on the phone and stated he was able to get all 5 reversed. I did ask again about the opt-in proof. He was unable to provide any info that I had opted-in or that confirmation was sent. Seemed eager to want to make this situation go away. Prior to ending the call he did inform me that he was sending this matter to the WF Executive Offices / Case Management (Case ID: XXXX) and I should hear back from them in a few days. I did ask one last time to opt-out but he wasn’t aware of any way to do that and the case manager should be able to help.I find this practice to be very shady and unethical. It feels as though they (WF) are banking on busy customers like me to miss those fees when reviewing statement charges and hoping to get away with generating income off of falsely charged fees. It’s kind of like begging for forgiveness over asking for permission.

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 2019-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
This is my second complaint as the company's response did not resolve the issue.The company's response on the first complaint refers to a future date (XX/XX/2019) which makes no sense.   I overpaid in fees for a payday loan I took with Cash Central when I resided in California.  Cash Central charged more than the 15% per $XXXX   borrowed limit.  No matter my state of residence (California, which it was at the time of the loans...South Carolina which it is now), the limit on a payday loan in both states is $XXXX  per $XXXX  borrowed.  Cash Central will attempt to state these were not payday loans, but they completely were.  These loans were completely without a doubt payday loans as the due dates were on my paydays.  This makes them payday loans by default.  Were the payments due on paydays? Yes.  These are payday loans.  Period.   Per the regulations in both California (where I resided at the time) and South Carolina (where I reside now), the most I should have paid is $XXXX  in fees (15% of the $XXXX borrowed/15 x XXXX).  I paid $XXXX!!! I paid $XXXX per $XXXX   borrowed...four times the $XXXX per $XXXX limit on a payday loan!This is predatory lending.  I overpaid $XXXX.  I am due a refund. I will even compromise and accept a payment of $XXXX.  Cash Central will then have received $XXXX in fees.  This is a rate of 29% which is more than just.  It is nearly twice what I should have paid.  It gives Cash Central $XXXX   per $XXXX  borrowed.  29% in fees is much more just and humane than 72%! Please do the just and fair thing and settle this. Cash Central profited severely through my stupidity.  I overpaid on these payday loans and am simply seeking what is just.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: CA

Complaint narrative:
The Credit Bureaus are reporting erroneous information on my credit file and i've been disputing the information for months.

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 2019-08-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
best buy has been deleted on my acct and has not been removed on the equifax and transunion acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
I've sent in XX/XX/XXXX, and XX/XX/XXXXChallenge letters asking for Debt to be removed that's not mine but showing up on my XXXX  report. Who's ever debt it is used a different social security number but my name. I've also called in and asked for it to be removed in XX/XX/XXXX. It's affecting my credit and also I can't get into to my online credit file because of incorrect security questions due to this incorrect debt of {$18000.00} XX/XX/XXXX. Reported XX/XX/XXXX. I've, also sent XXXX  my social security number, passport, utility bill and pay stub. I've asked them to remove address I never resided at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL 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 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I recieved a loan from my bank this past month to pay off all debts. XXXX XXXX XXXX excepted and closed my account as well as XXXX. Diversified consultants inc. Returned a bank issued check TWICE to a debt that I know is not mine, never had XXXX. They want to all of a sudden come up with a XXXX$ ammount being owed from a place I never did buisness with and now after failing to except TWO bank issued checks and numerous attempts to get this off my credit report nothing has been done. They say this debt is 3yrs11months old. I NEVER HAD XXXX. And they do nothing to resolve this. As I stated for credit reasons my bank sent them 2 checks on my behalf they declined on. Like they don't want to take my money. Which is good because it's not my debt, but when I call they sure want my credit card info. They keep disputing my disputes, I've seen NO proof this is even a valid debt, because its not. I just want them off my credit report and to stop scamming people. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit Bureaus are reporting erroneous information on my credit file and i've been disputing the information for months.

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 2019-08-20 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: CA

Complaint narrative:
The Credit Bureaus are reporting erroneous information on my credit file and i've been disputing the information for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX  has been deleted on my acct and has not been removed on the XXXX and transunion acct.

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 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Quicken Loans Inc. is my current mortgage service provider - mortgage is owned by XXXX XXXX.Quicken Loans notified me by email on XX/XX/2019 about change in service provider to XXXX, XXXX effective XX/XX/2019. There was no online documentation on the portal indicating the change in service provider. The online portal still shows a payment due to them XXXX XXXX - this is just wrong! I have not yet received anything in regular mail regarding this from Quicken Loans. In my call with their service representative today XX/XX/2019, they said they have mailed a document which I should be receiving today (apparently through pre-sorted first class mail without any postmark). Notification by email exactly 15 days before effective date of change in service provider is not good practice - no phone call, no online portal document. What happens if they send the notification by second class mail and it takes 10 days to get to me? In the age of so  much junk and spam email, I do not even know if this email is kosher or not or just another spam email. My email provider (XXXX) could just have thrown this in Junk or Spam folder which does not ensure that I would have viewed it.The new service provider, XXXX, XXXX, notified me by email today XX/XX/2019 about the service change. This is not compliant to the CFPB mandate. Again, it was through email and not regular mail. Does CFPB mandate of minimum 15 days notice on change of mortgage service provider allow notification by email? Who is to blame if the next monthly mortgage payment does not make it to the new service provided?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I noticed several collection accounts on my credit from Amcol Collection agency.I requested validation of the debt from them, because I have insurance and paid my part. my insurance sent me a copy of the claims showing the debt to be paid. This agency ignores my requests for validation and proof that the accounts are erroneous and are paid. They continue to report this inaccurate information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
Tidewater finance report my account late 3time and I have a proof for automatic withdrawal and history of payment since 2017 !!I field dispute with XXXX and no respond called tide water they don’t wanna give a good reason !one of the agent told to call the cops and he hanged up on me !need help plzMy score dropped since they put those late payments on my credit report !I need your help or my final step to call a lawyer .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California
State: CA

Complaint narrative:
New CFPB compliant against Collection Consultants of CA in response to previous CFPB compliant #XXXX.My right to dispute a debt that is not mines is being impeded by there stall tactics. Collection Consultants of CA responded on XX/XX/19 that they don't have an account in there records with the account number XXXX. In this case you are committing fraud and defaming my character by placing incorrect information onto both my XXXX and XXXX Credit Reports please review my Attachments . As a debt collector or third party vendor I don't owe you any money because I never established a contract with you. Also please note that Bill statements or receipts are not documents of debt validation.  All the information I provide in this compliant is all the verification you need lets stop playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: VA

Complaint narrative:
On , or about XX/XX/XXXX Global Lending Services (GLS) did repossess my vehicle (XXXX XXXX XXXX). When I made contact with the "Reinstatement Department" on the same day, I spoke to several agents ( XXXX, XXXX); first both agents refused to properly identify themselves when ask of their employee ID#s; secondly both agents made false statements concerning the status of the account.1. That a "Right to Cure" letter was sent out on or about XX/XX/XXXX, and then in XX/XX/XXXX. The account was put into a "Deferred Payment" status (90 days;) late XX/XX/XXXX, which meant no payments would come due until XX/XX/XXXX. This reason for the deferred status was that I was impacted by the Federal Government shutdown.Extension dates: XX/XX/XXXX ; XX/XX/XXXX; XX/XX/XXXX - 4 other payments were made, with the origination of the loan being XX/XX/XXXX - Payment was deferred 45 days from that date as 1st due XX/XX/XXXX  - The account was only 59 days past due but the show it as 122 days, which does not align with the deferments and payments... Again the lender did not send via mail, email, or text messaging any information pertaining to the account status. 2. During the same conversations with both representatives, I inquired about the past due about to bring the account current, both refused to give the balance on two separate calls, and both refused to cooperate with how I could bring the account current - they both hung up the phone, but before that told me that there is nothing they would do to help with my concerns in recovering my vehicle. 3. When asked, both representatives refused to give information on where the vehicle was located, that I had personal belongings, money, etc. in the vehicle and I also informed them that I was on travel in another city stating at a hotel where the vehicle was picked up; their response on two separate calls was that, " you are considered a skip, and we will not release your vehicle" They also stated that, " since you are in another city traveling we consider you a skip". I explained to them that I was not a skip, that I was on travel for business for my employer (XXXX); they both refused to reconsider in reinstating the loan and turning over the vehicle, both then hanging up the phone. Global Lending Service did not send a letter, no call. I have been in contact with this lender throughout the life of the loan. A substantial amount was put down on this vehicle and payments were refused by the lender when I tried to process online and during my call to the lender on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Student Loan Direct
State: IN

Complaint narrative:
I was called in early XXXX 2019 about Student Loan Forgiveness. On XX/XX/2019, I called them back and I was told by XXXX of Student Loan Direct 1 ( studentloandirect1.com ) whom I called at the following number : XXXX that I was enrolling in an " Income Based Government Forgiveness Program ''. On XX/XX/2019, I emailed ( XXXX ) her my 2 lowest pay stubs for the last 60 days and a copy of my drivers license. I also gave her my social security number. She said the fee for the program was {$250.00} for 4 months and I gave her my account number so she could start the first payment deduction onXX/XX/2019 which did come out. I digitally signed an agreement with Student Loan Direct 1 authorizing the withdrawals. She also told me that she would get my 2 loans with XXXX in forbearance for 4 months. She recommenced that I contact XXXX in XXXX to discuss how to pay back one of the loans as she was only enrolling my parent plus loan into the program. She said to enroll the other loan into the ICR ( Income Contingent Repayment ) program with Navient at that time. She layed out how much I would be forgiven if I stayed with the program and that the forgiveness would come at the end of 240 months of paying {$5.00} or less per month to their company Student Loan Direct 1. She said I would have to be recertified every year to check my income and that I could do it for free myself online or have them file for me at a cost of $ 199/yr. She recommended I do the filing with them because they were less stringent. She said that if I was not approved for this program in 90 days that I will be refunded all that I paid into the program. I called XXXX on XX/XX/XXXX19 as they sent out a forbearance acceptance so I wanted to talk to them about this Forgiveness Program I enrolled in. They informed me that they don't have any arrangement with Student Loan Direct 1 and that I should put a stop payment on my account, file a complaint with Consumer Financial Protection Bureau, and also file a local police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
Suntrust Bank is denying my student loan application based on income/race/language discriminationI am a student going to graduate school and am seeking for a XXXX student loan from Suntrust Bank. The loan is approved for credit but is requesting additional documents for my cosigner to verify his income. This bank is always using the reason cannot verify cosigner's income to reject my applicaiton. Loan ID: XXXX Spoke to suntrust custom loan representative XX/XX/19, asked why additional document is required. Said that the cosigner's income doesn't match the the amount on the paystub. He told me income can be projected, try to use the formula using weekly pay x 52week = annual gross income. If the number doesn't add up, I have to re-apply using a lower income amount. Loan ID: XXXX I reapplied, using the formula, put XXXX for cosigner's income. $XXXX/hr x 40 hr/wk x 52 wk/year = XXXX. Uploaded 3 recent paystubs, again asked me to provide additional document for the cosigner. Called suntrust custom loan representative XX/XX/19, asked why? They said they cannot verify income, didn't give a reason, just saying doesn't add up. So I spoke to the supervisor, he said that the number doesn't add up, no why. When I asked how much the cosigner need to put for his annual gross income? He didn't answer,  said he can't provide me additional information if he cannot speak to the cosigner. The supervisor is also not willing to connect me to the loan origination department to ask for details. But the cosigner, who's my father, cannot communite in English. He started his job this year, working full time, earning $XXXX/hr. I and my father didn't do anything wrong, and Suntrust bank is kept rejecting our documents without providing a clear reason or any instructions to help us proceed the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief