vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
My name is  XXXX   XXXX .   XXXX   XXXX    XXXX . I was recently released from  XXXX   XXXX  on  XXXX   XXXX   2016 . Upon running my credit report I discovered several accounts had been opened under my name and social security number. I filled a police report with the  XXXX  Police Deepartment noting the fraudulent activity. I would ask the bank please remove the checking account overdraft charges in the amount of  XXXX  for the account ending in  XXXX . I have contacted  Arvest  Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Tried to consign a student loan for my daughter on  XXXX / XXXX /  XXXX   at  XXXX  and I was denied due to   XXXX   Report which said my SS was deceased.       XXXX   informed me t hat Citizens bank is the lender who said I was decided. Spoke to several representatives at citizens bank and it will not be repaired much sooner than 30days. A grievance was filed by the bank employee. This dealing w citizens bank  occurred on  XXXX / XXXX /  XXXX  . I am the only ci- borrower who can coding my daughters loan and there is a  XXXX  dollar late fee!! Tuition was due upon remittance which is now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Glasser & Glasser, a l aw firm first contacted me pretending to be just a collection agency and now thro ugh one of their lawyers, trying to collect a debt that it is not mine to the best of my knowledge and offering only court printouts when I asked them to proof 1 ) that I am the original debtor and 2 ) that the debt is current and collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I am a senior that has come across a lot of fraud and it has left me in an horrible situation. After the passing of my husband,  XXXX / XXXX / XXXX , I started to look for ways for ways to lower my mortgage. I was listening to the inspirational radio station and heard that the  XXXX   XXXX   XXXX  could help me lower my mortgage payments. The Law office of  XXXX   XXXX  charged me {$3400.00} advised me to fall behind on my mortgage payments to get a principle reduction because my husband passed.   I was denied assistance because my income was listed way too high on my forms that I never received a copy of. I then went to  XXXX  of  XXXX  and was assisted with correcting my income on an appeal that I won.    Ditech offered me a HAMP modification and I took this agreement over the Hardest Hit Funds because of the lower interest rate they were offering i n the trial plan. When I revcieved my permanent modifcation documents, I saw the very unfair terms. They started my prinicple balance back to when I first purchased it and extended my loan out to 33 years when I originally only had 8 years left. I also have a {$41000.00} balloon payment. The modification documents did not provide a separate disclosure for the balloon payment, I did not even know it was there until a hous ing counselor told me about it for the complaint. The permanent documents   did not require a notary and I put a (? ) after my signature because I was not sure what I was signing.   I called Consumer Affairs as the paperwork stated and was referred to  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  IL  XXXX . I told Consumer Affairs I was already working with   XXXX   XXXX   but they insisted I use   XXXX   XXXX   instead. I initially met with Pastor  XXXX  and he assured me that he can negotiate the terms of my modification and explained that I HAD to sign the permanent modification. I never heard from him again. I complained to the church and a  XXXX   XXXX  explained that it was my responsibilty to make sur e Ditech had their authorization. I called Ditech and they did have the authorization to speak with them on  file. I then never heard from  XXXX   XXXX  again.   I am senior that purchased my home with my husband for {$95000.00} in  XXXX . I can not believe that Ditech has prosed this modification that will end with my family being in foreclosure. I have reached out for help numerous times, but have just been taken advantage of and provided with false information. Before I seeked help, I was never late with a payment for 23 years straight. I know that I refinanced with a predatory lender  XXXX . I was then transferred from  XXXX   XXXX   XXXX  and now  XXXX . I could not afford a lawyer to help me with these documents and I feel like I am losing my house with all my years of hardwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I would like to file a complaint and dispute this charges on collection. I sent a written disputed letter since I am not aware of this company. But never received anything after filing a dispute for this charges on  XXXX   XXXX ,   XXXX   which they indicated I have 30 days to dispute this charges. Please see attached for the dispute letter I have sent to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
A fter Ocwen Loan Servicing ap proved our short sale on  XXXX / XXXX / 2017  we informed them that the buyer at the time was not working out on  XXXX / XXXX / 2017 . They told us that they understood since this is something that happens all the time and then gave us a list on what we needed to change the buyer out on the same day  XXXX / XXXX / 17 . We completed all documents on  XXXX / XXXX /   17  less than a month after receiving the approval. We were told that it would be a quick and easy process since we are keeping the same price and terms and only switching out the buyer but weeks have gone by and nothing. Matter of fact they are now asking us to resend documents that we previously submitted for the same approval. They are not honoring what they said they needed They are setting us back to restart this short sale and possible cause this buyer to walk away and have this clients property to go to foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
On  XXXX   XXXX ,  2017  A collection report was placed on my  XXXX  and   XXXX   report in the amount of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX   XXXX   XXXX   has merged w ith Huntington National Bank, all of my accounts were to be transferred to Huntington   Bank, after waiting patiently for my new credit card to be sent from Huntington Bank over six weeks later I have not recieved the card. I called Huntington to find out what happened and I was told the account had been closed per my request. I informed them that I had not made any   requet to close my account, and that I had no prior communication with them or   XXXX   XXXX   XXXX   at all about closing an account. I was told that nothing could be done at this point. I ask them to tell me when was request submitted, and how was it done because it was not me.  Huntington responded by telli ng me they were not allowed to give me that information even though they claim it was me who made the request, they could not provide proof or any information to support that statment because they know it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX    XXXX  , I sent a debt valida tion letter to Hunter Warfield. They responded to my  validation letter within the same month. They provided a lease with a signature and a final statement from the original creditor. I responded to their verification disputing several inaccuracies with the account. The letter that I sent them was dated  XXXX   XXXX ,   XXXX  . I waited a full  thirty days ( plus additional days ) before  I sent them another letter which was dated  XXXX   XXXX ,   XXXX  . The problem is that they are reporting I owe them  XXXX  dollars. I 've reviewed the lease, and there is n't a statement that authorizes them to attach additional fees. Furthermore, on the lease it 's stated {$850.00} was the rent. However, on the final statement it is listed as {$1000.00}. The lease stated there was n't a security deposit paid, however there was a security deposit paid to the original creditor. There is a lot of charges that does n't make any sense whatsoever. According to the FDCPA and FCRA, the company should have responded to my request for an investigation within 30 days. It has been well over that timeframe and all three of my credit reports are still reflecting the same information. Additionally, on my  XXXX  report, they are reporting ter ms ( 1month  ). Every month they have been reporting a payment history claiming that my account was charged-off and past due. I 've never made a payment to this company. I 've never signed an agreement with this company agreeing to pay them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: GA

Complaint narrative:
My credit was pulled and sent to a lot of different lenders by  XXXX   XXXX   XXXX  (   XXXX   ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed  XXXX   XXXX   XXXX   XXXX  located in  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  to pull my credit and shotgun my credit to a lot of lenders.             I checked my credit before I went car shopping and I was at  XXXX  in   XXXX    of the bearous.        When I did make my decision in purchasing a vehicle, I went to a different dealership (  XXXX   XXXX  i )  to purchase my vehicle and when I gave them permission to look at my credit they had told me that my score was not  XXXX  and had dropped to  XXXX  and that they could see a lot of inquiries in the last two days from  XXXX   XXXX    XXXX   XXXX  . I called  XXXX   XXXX    XXXX   XXXX   and I asked to speak to the  manager  and they told me he was n't available.       I worked so hard to be able to get it up in the  XXXX  's before purchasing a vehicle and at that point when  XXXX   XXXX  had told me that my score had dropped from  XXXX  sending my credit to different lenders. I had no choice but to take the interest rate  XXXX   XXXX  was offering me because of my  credit score dropping so many points after  XXXX  had used my credit without my consen t and sent it to diferent lenders.             XXXX   XXXX   XXXX    2016  are the dates that  XXXX   XXXX   XXXX  used my credit to send it to multiple lenders without my consent.       My name is  XXXX   XXXX  and my cellphone is  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 2017-05-19 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: GA

Complaint narrative:
My credit was pulled and sent to a lot of different lenders by  XXXX   XXXX   XXXX  (  XXXX  ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed  XXXX   XXXX   XXXX   XXXX  located in  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  to pull my credit and shotgun my credit to a lot of lenders.             I checked my credit before I went car shopping and I was at  XXXX  in  one of the bearous.        When I did make my decision in purchasing a vehicle, I went to a different dealership (  XXXX   XXXX   ) to purcha se my vehicle and when I gave them permission to look at my credit they had told me that my score was not  XXXX  and had dropped to  XXXX  and that they could see a lot of inquiries in the last two days from    XXXX   XXXX   XXXX   XXXX  . I call e d    XXXX   XXXX   XXXX   XXXX   and I asked to speak to the manager and they told me he was n't available.       I worked so hard to be able to get it up in the  XXXX  's before purchasing a vehicle and at that point when  XXXX   XXXX  had told me that my score had dropped from  XXXX  sending my credit to different lenders. I had no choice but to take the interest rate  XXXX   XXXX  was offering me because of my credit score dropping so many points after  XXXX LM had used my credit without my consent and sent it to diferent lenders.          XXXX   XXXX  of   XXXX   are the dates that  XXXX   XXXX   XXXX  used my credit to send it to multiple lenders without my consent.       My name is  XXXX   XXXX  and my cellphone is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account  Resolution Services  has been reporting a medical collection debt to various credit bureaus since the debt was assigned to them in  XXXX . The collection is on a debt supposedly incurred in  XXXX , when I was insured and would not have been charged for  XXXX   XXXX . I never received any bills from the hospital, nor did I receive any notification of collection from Account  Resolution  Services. My first notice of the debt and collection was when I discovered it on my reports after being denied credit. Needless to say, it was a shock to find that my credit was unfairly damaged by a debt I never owed.     Earlier this year, I disputed the debt with Account Resolution Services, in writing, sending it directly to the address they are reporting as theirs in their tradelines --  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Again, this is the address they are publishing on their reports to the credit agencies. So, to add to my frustration, my dispute has been returned undeliverable, as the address seems to be incorrect. It seems that even if they had notified me of the collection in the correct way, I wouldnt have been able to dispute it within the normally given 30 days. I now find myself questioning the legitimacy of not only the debt, but the company attempting to collect on it. I 'm pretty sure that a debt collector which obfuscates its real address in its reports to a credit bureau would run afoul of the Fair Debt Collection Practices Act. If  ARS  ca n't even report its own address correctly, what makes anyone think its data is any good?

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 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted  XXXX ,  XXXX  and Equifax on several occassion twice in  XXXX    XXXX   unsure of the dates but I also sent out certified mailings to each crediting reporting agency on  XXXX / XXXX /  XXXX   also again on  XXXX / XXXX /  XXXX   via regular mail concerning several bankruptcies on my credit rep ort .. C as e numbers.  XXXX  Case number  XXXX  and case number  XXXX  ( see attached ). I also sent emails to the  CEO of eac h reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On  XXXX / XXXX /  XXXX   I received and email from   XXXX    Execective office  wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named  XXXX  called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from   XXXX   by the name of  XXXX  called me from telephone number  XXXX  and also say that the items were verfied I aske how and he said throug a third party I asked  XXXX  he then said there are several so After I 've explain to each them that I 've spoken to  XXXX  at telephone number  XXXX  with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the  XXXX   XXXX  the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account   XXXX   XXXX   ,    XXXX   XXXX ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX  , and   XXXX    therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Absolute Collections Corp.
State: CA

Complaint narrative:
keep receiving numerous calls daily from  XXXX   Absolute Collection Corp  or they use different numbers to call. They have called people that I have never used as a reference  ( my ex-husband which we have been divorce for 17 years ),  my ex-mother in-law, my job, my siblings and even my   XXXX    kids. They leave threatening message about having me arrested and that someone is coming to the house at a certain time and I better be there. they told my ex-husband they had repo my ca r (  not true ). My family is worried and I am concern they will give them money thinking they are helping me. I have told these people before to leave my family alone, but they do n't. I receive calls 7 days a week and they are now contacting me at work. I called the police and an officer came and tried calling the number and they hang up. They have no right to disclose my personal information and call people I have no contact with or provided 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 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My issue is with Nationstar Mortgage,  XXXX   XXXX   XXXX  : P.O.  XXXX   XXXX ,  XXXX , TX  XXXX  On or around  XXXX    XXXX  , the issue began. I have been charged other fees regardless of how much I try to obtain information from them explaining why. Ever since this date, I received calls stating that I am behind on my payment. I am not behind. I paid them on the first of  XXXX    XXXX   and the  XXXX  of  XXXX    XXXX   ( this payment was to meet the due date of  XXXX   XXXX    XXXX   ).     They seem to continue to charge me fees and continue to state that I am late. However, they have yet to provide a full accounting of all payments, fees and charges so that I may validate their statements. From my perspective, I am not late and have made every single payment and timely ( all payments made before the  XXXX  of every month ).     I have even had  XXXX  on the phone to explain to them all the payments that were sent, but they are not willing to provide information explaining their position, other than to say that I am still late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a loyal customer of  Wells Fargo (    which I foundly remember as  XXXX  ) for almost  XXXX  decades. I had been experiencing some issues with my account being overdrawn and tried to contact  Wells Fargo  on numerous occasions via telephone, on my online account, via email and even in person at the local branch but, to no avail. As a result, my account was closed because of their failure to get back to me in a timely manner to resolve the problem. I relied heavily on my online account with  Wells Fargo  to keep track of my finances and I must say that I have been very inconvenienced by their lack of support in helping me resolve this issue.

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 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONRAD CREDIT CORPORATION
State: NV

Complaint narrative:
Working with Conrad Companies http : //www.conradco.com/ on a {$75.00} medical collection I found on my credit report. They did not have an accurate address as letters were sent to a previous address. Only letters were sent, I have not received any phone calls. The account manager I spoke to was   XXXX   on  XXXX / XXXX /17 @  XXXX  PST. She claims that once paid, the claim will drop off my credit report as if it was never submitted to the bureau. However, she will not provide any documentation confirming this. I 'm hesitant to pay the collection until it can be confirmed. I 'm also questioning the validity of the collection to begin with as the doctor 's office who originated the debt had not reached out to me. I also believe my insurance at the time should have paid the debt.

Company response to consumer: Closed with explanation