vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
FIVE COLLECTIONS ARE REPORTING UNDER MY XXXX CREDIT REPORTING AGENCY, THESE DO NOT BELONG TO ME, I HAVE ALREADY ATTACHED MY POLICE REPORT THAT AT SOME POINT I WAS A VICTIM OF ID THEFT AND THESE DO NOT BELONG TO ME, PLEASE YOU ARE MY LAST HOPE TO THIS ISSUE, THIS HAS GONE LONG ENOUGH THEY ARE THREATENING ME AND XXXX  IS NOT HELPING THEY ARE TAKING THE COLLECTION AGENCIES, AND NOT THE CONSUMERS, PLEASE HAVE THIS ISSUE RESOLVED, I CANT FIND ANY OTHER WAY TO HAVE THIS RESOLVED, AS A CONSUMER I NEED YOU R HELP THEY ARE NOT ALLOWED TO REPORT ANY MEDICAL RECORDS OT OTHER AGENCIES, ESPECIALLY IF THESE DO NOT BELONG TO ME, PER HIPPA LAW THESE ARE NOT BYLAW ALLOWED TO BE ON SOMEONE ELSE 'S REPORTS. 
PLEASE HELP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: PA

Complaint narrative:
They repeatedly call and when we answer they hang up. I call back the number from my caller ID and when I finally get someone on the phone and tell they to stop calling they say they have no history of calling our number, even though I tell them I got their number off of my caller ID right before I called them. I tell them to stop calling, they say they didn't and then they call again and again and again, and then I call them back and tell them for the umpteenth time to stop calling, yet they will call back later or the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
Are holding my funds unlawfully The house sustained pier damage from a boat. Homeowners insurance sent a check for {$25000.00} made out to me & Ditech. 

Related : Ditech - stealing Mailed endorsed check & required documentation on XX/XX/19, have since found that it is noted as being received on XX/XX/19. Was supposed to receive a check made out to me & contractor in within 3 - 4 days. It is now XX/XX/19 ( over 90 days since they received package ) and the claim is still being " processed ''. Meanwhile the contractor, has finished the work 2months ago. acting in good faith. 

Lots of inaccurate information & stonewalling from coming from Di Tech, they will not take my calls now. I wait on hold for over 2 hours to only go on hold again. I have talked to the Insurance Dept. and for the last 2 months they say the check is in the " mail ''. They lie about the date they received the checks ( 12 days after they received my package ) stating they hadn't received anything from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
At the end of XXXX, I discovered that my Bank of the West checking account had been hacked and {$600.00} was stolen from my account. I immediately called the bank and was told that my debit card would be canceled and I would not have access to my funds ( unless I banked in person ) for 10 business days. I could not get a temporary card from my local branch and absolutely no other options were made available to me. Many merchants only accept payment via card ( including the parking machine at my job ) thus that single bank policy made it extremely difficult for me to engage in basic 21st century transactions. But with no options available, I had to simply accept this policy. 

Next, I asked the bank to reverse the stolen funds. They refused. Their policy was to mail me an affidavit they would not accept my declaration by phone. One week later, I still had not received the affidavit. When I called back, the Banks best offer was that I could go down to their branch ( at times that conflicted with my work schedule ) with a letter. If that option was available, why did I have to wait over one week to learn about it? 

Prior to receiving the affidavit from the Bank, I received difficult news concerning my health. I informed the bank I was dealing with a health crisis but would get the affidavit to them as soon as possible. Miraculously, despite juggling work, family life, and the challenge of coordinating a slew of doctors appointments to handle a potentially life-threatening challenge ( and fear, of course ), I managed to mail in the affidavit within two weeks of receipt. The bank sent me a letter informing me I had not sent it on their time table so they would not return my money prior to concluding their investigation. 

Finally, just yesterday, the bank returned half of my stolen funds with no explanation as to why or when I can expect the rest. 

In sum, I was the victim of bank fraud brought about through no fault of my own. In fact, the security practices of financial institutions like Bank of the West, are so lax they make such fraudulent activity possible, even common place. When I reported the fraud to my bank, they invoked policies that punished me, the consumer, and allowed them to take as long as they wanted to return my money. They did this just as I was dealing with the most frightening health crisis of my life. The {$600.00} meant nothing to the bank, but for me it meant I had to forgo basic necessaries so that I could pay bills for the month. It also added more stress to a very stressful time. This is unconscionable behavior. I ask CFPB for assistance with my case but also to investigate so that this problem does not happen to others.

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 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
There requesting {$510.00} beginning XX/XX/XXXX. Name of company SOUTHWEST CREDIT SYSTEMS, L.P. My social security number obviously has been compromised because a company is coming up on my credit report about a XXXX account that I don't owned and I haven't never owned residing at the address I have been residing in since XXXX. I'm not sure where this new profound account is coming from all of a sudden claiming it was since XX/XX/XXXX. This is the second pop up account appearing on my credit report and it isn't mine. I already have fraud alert and anything I can get to freeze my credit because of someone using my social security number. This has been happening for the last fifteen years. I have been fighting about my social security number and someone having my information. Clearly these people are not speaking on anything I have had because I have proof the last internet service I had was XXXX. I don't own internet since XX/XX/XXXX with XXXX canceling my account and not having any issues but, what they have previously corrected on there end. So this is definitely a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted 4 complaints to Equifax and to have XXXX XXXX XXXX XXXX removed from my credit. I sent them a police report and a FTC document showing that the account was fraud. After 4 disputes they still have it on my report and just tell me to dispute again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a large furniture purchase in the amount of {$3200.00}, with a delivery window of " 4-6 weeks. '' I decided to open an account with Synchrony Financial to make this purchase. I put the total amount due to the furniture store on the credit card. I began making payments to Synchrony Financial in the amount of {$200.00} beginning on XX/XX/XXXX. I also made a {$200.00} payment on XX/XX/XXXX. I made these payments ( total of {$400.00} ) in good faith because the furniture had still not been delivered to my residence. I spoke with the sales lady at the furniture store who told me that I would have to begin payments even though I did not receive the furniture. In this process of of making payments I stayed in contact with the sales lady who repeatedly gave me excuses as to why the furniture had not been delivered. I finally reached out to XXXX on XX/XX/XXXX, who initially stated that I " should not have begun making payments '' until my furniture was " delivered. '' They stated that they would place my account on hold and file a " dispute '' with the store. XXXX policy states that they are to determine resolution of a dispute within 60 calendar days. We are beyond the 60 days and they have refused to provide me with any further information other than my account is still " pending '' review and the person responsible for my dispute in this department is named " XXXX. '' I have asked for the dispute team to make contact with me, provide updates and I have fallen on deaf ears. I continue to get the go around with multiple " account managers. '' The account manager I spoke with today ( XX/XX/XXXX ) named XXXX ( ID XXXX ) even went as far as telling me to stop calling that my " calling daily is not productive '' because there is " nothing '' they can do other than " email the dispute department. '' All I am asking is for my money back since they are beyond the 60 day window of their own policy. I also asked him how this incident does not constitute fraud and he was not able to answer me. XXXX has my money held hostage and by the way this furniture store is NOW GOING OUT OF BUSINESS! 

Through this entire process I've come to the realization that this furniture store did not follow the laws and regulations outlined by the state of New Jersey 's Division of Consumer Affairs. Not once did the store provide me with an opportunity to cancel my order ( state law ) once they realized there was a delay, they also did NOT provide me with a specific delivery date. The law states that upon purchase the receipt must have a printed date for delivery. They only offered a delivery window not a specified date.

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 2019-05-01 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened a debit card account with Wells Fargo and somehow they turned it into a credit card account. I never wanted a credit card account nor did I ever agree to open a credit card account. 

I never realized until recently that I turned into a credit account. I never filled out any forms to open a credit account. 

Also, as a debit card account I would place my money into the account and use it for purchases. When they turned it into a credit account, they started it with my own money.

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 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
My income driven recertification form ( XXXX XXXX. XXXX ) was provided to XXXX on XX/XX/2019. The recertification reason, as checked in box number 1, was " I am submitting documentation early to have my income-driven payment recalculated IMMEDIATELY. '' However, XXXX mis-read that the box checked was the second box which states " I am submitting documentation for the ANNUAL recertification of my income-driven payment. '' This is not the box that I checked, and my signature on the form provides evidence of this fact. The annual recertification is in XXXX. I paid {$240.00} on XX/XX/2019 and at that point I had a XXXX balance, with reference to my billings. I timely uploaded my paystub on XX/XX/2019 which show my income is below the poverty level. At that point and going forward, billings should be XXXX. Instead, XXXX has continued to bill me for {$110.00} until XXXX because they interpreted the box in number 1 of the form XXXX XXXX to be the second box ( as outlined above ). They have continued to bill me monthly, with interest, after XXXX, 2019 instead of XXXX monthly billings. 

We called them and emailed them on numerous occasions in attempt to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I paid my XXXX XXXX  credit card by mail I sent the payment out on the XXXX of XXXX just like I have done for they past 15 years, never ever on this account I have had a late payment. This was my last payment to pay off card of XXXX, I received a bill for the first of XXXX and was accessed a late payment, I called the XXXX number and was told because of bankruptcy there was nothing they can do, now the XXXX of XXXX they have accessed me a second late fee, I called and now was told that they can only remove 1 late fee. This is a scam I was told can not waive on my first call, and now they will waive one, bottom line they just want XXXX dollar 's from me, there policy is to waive one late fee if you have never had any so they should have waived the first one when I called when they advised that they would not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I called Bank of America cash rewards card to address the fact that I'm currently not making any money and it's difficult for my husband and I to make payments moving forward after XXXX. My husband and I have been using our savings to pay down the debt but we're through with our saved amount. 

I called to express the concern to the credit card company stating the next few months would be hard for us to pay the debt ( Impossible ), until I have a positive cash flow by getting a new job. I don't want any negative marks on our credit and we've been very responsible with our commitment to pay back everything. I asked if we may have a deferment just until I can find a job to pay off the debt. The Only option I was offered was to lower my interest rate and close the credit card ( which I stated I wasn't interested in closing it, I don't want a bad mark on my credit ) and they weren't willing to give me the option to lower my monthly payments either. 

They mentioned the only time they offer a defferment is when a Natural disaster occurs. For example : fires, earthquakes, floods, death.. 

The debt is too hard for my husband and I to handle at this time. 

Our total debt owed is {$9300.00} and our Monthly Payments are {$260.00}.

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 explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
My vehicle was stolen and then set on fire in XX/XX/XXXX. I contacted OneMain Financial Services regarding the issue and was paying for insurance in case something happened to my vehicle. One Main refused to honour the insurance or even discuss the problem with me. The local office was rude and incompetent to the nature of the events. Since then they continue to try and bill me despite my vehicle being a complete loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: CO

Complaint narrative:
XXXX is reporting incorrectly to Equifax a credit card account that does not belong to me. The partial account number is XXXX. The credit card account status shows Lost or Stolen Card. ( Please see pages 4 and 5 of the attached credit report. ) I have contacted the XXXX and have requested that they remove this account. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a few Payments of above my minimum of {$500.00} payments of {$650.00}, {$900.00}, and {$600.00}. They keep insisting they do not want to settle for a lower payment I have made a 4 of the 11 payments and I can not afford to make anymore payment of {$500.00}. XXXX is forcing me to pay back {$5500.00}. The loan was {$2200.00} they told me while I was in the early few months and they insisted that I would not need to pay back the full amount. Im trying to close it but they want a total of the full amount they want me to pay. This is cruel and not fair. Before I even accepted the terms I spoke with multiple representatives and they to said I would not need to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC
State: NC

Complaint narrative:
On XX/XX/XXXX of last year I was involved in a hit and run. Somebody hit our car from behind and sped off. I went to the hospital and everything that was done for me at the hospital was handled by my lawyers at XXXX XXXX XXXX in XXXX North Carolina. Their phone number is XXXX. My lawyer reached out almost a year ago and said they would take care of all the bills and to not send me to collections because they would be paid in full. According to my lawyer they were in compliance. I have taken very great care of my credit over the years reaching over an 800 at one point and I would not have let this gone to collections if I knew it wasnt going to be handled by the debt collectors. I  noticed I was sent to collections on Friday night because I am in very close contact with my XXXX XXXX  and I have reached out to my lawyers and they said it was just finalized and payments for doctors and bills were going out within the next week. I also havent received any paperwork I only know about the debt from the hospital calling me. My address is XXXX XXXX XXXX  XXXX XXXX NC XXXX I havent received anything saying I was being sent to collections other than knowing I owed money to my doctors but they have been talking to my lawyers the entire time. I dont understand why I was sent to collections when I was being told everything would be paid in full by my settlement. This is obviously a huge misunderstanding and I am taking a huge punishment with my credit score being attacked and dropping 60 points. Please help me resolve this. I was the victim in an accident and I dont want to be the victim in another case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I filed two disputes on XX/XX/2019 ( Claim IDs : XXXX, XXXX ), for 2 transactions processed through XXXX XXXX ( XXXX, XXXX ), because I did not receive the services I was charged for. Bank of America is researching claim # XXXX, which is for {$120.00}, but declined to research claim # XXXX for the amount of {$300.00}. I immediately assumed they were cherry picking claims based on the amount and decided to give them a call. I was told that the claims did not meet their specific timeframe for filing and should not have been submitted. That was explained to me at the start, but after further discussion, the bank employee decided she would submit the claims because I did not receive the service that I paid for. Claims should be granted equal attention regardless of the amount and my bank needs to hold third parties accountable for allowing crooked people 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 2019-05-01 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: CO

Complaint narrative:
Equifax is reporting incorrectly that I am 90 days past due on XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief