vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have resolved this dispute previously and and the collection was removed from my report due to being invalid. I never received notification of this debt, nor agreed to this charge, and this was case was previously resolved anyway! Now it has simply been sold to another collector and XXXX  has not verified nor forwarded any proof of debt either from the original creditor nor the collection company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Seattle Service Bureau, Inc
State: OH

Complaint narrative:
I have been receiving phone calls from a debt.collection agency XXXX XXXX XXXX claiming ownership of a bill under my name XXXX XXXX. Per XXXX they are collecting for XXXX XXXX XXXX XXXX  XXXX. XXXX are collecting {$1000.00}. The date of collection from XXXX according to my credit report is XX/XX/2013. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX and were told that they do not send collections to XXXX and they don't know how they got my information. They show a bill owed in the amount of {$470.00}. for services rendered in XX/XX/2013. They said they send collections to XXXX XXXX who I contacted and settled all debts with. They stated they do not sell information to 3rd parties and do not work with XXXX. In addition, I gave my credit card information to XXXX and they are taking payments. At the time, I assumed the bill was a legitimate bill and XXXX was a credible agency. I have been unable to reach them at ( XXXX ) XXXX to stop payments and remove this false information from my credit report. The account number XXXX has assigned to this bogus bill is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo stole {$150.00} from my deceased mother 's savings account than charged her {$12.00} to allow them to steal her money. It is that simple. Plus they refuse to give back the original deposit so I can go to the issuer & get a replacement check. Now I have to reach back out to the issuer, which by the way these {$150.00} stolen funds were from XXXX XXXX CFPB settlement.

This is my joint account as the executor there was no notice that they will steal her money given.

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 2018-06-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have attempted to get connected with the Office of Consumer Affairs with both a CSR and a supervisor to resolve issues with my credit file. Consumer Affairs refuses to take my call and say they can not help.

I pull my report daily and each time I pull the report ( using TrustedID provided by Equifax ), it adds an entry for a soft pull. On two previous occasions, I have been unable to pull my reports and have had to call Equifax. They then connect me with Consumer Affairs to assist me with the issue. Consumer Affairs states that they have to send my file over to internal IT to have the file cleaned up - which takes a couple days. Eventually, I am able to continue pulling my credit report again - after Equifax internal IT has cleaned up the file ( I assume they are removing the soft inquiries manually ).

As mentioned, I have been through this process twice before. Each time, it has been extremely difficult to speak with someone in Consumer Affairs, but eventually I have spoken with someone and they have been able to help. 

This time, however, they will not take my call. The Equifax CSR and her supervisor do not understand what I am asking for and Consumer Affairs rejects the transfer each time. I just want to speak with Consumer Affairs to get my issue resolved. I am sure that after I speak with someone in that group, it will be a very easy conversation. This is much more headache than it needs to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: ND

Complaint narrative:
On XX/XX/17 I needed to pay for a major repair on my vehicle and had to refinance an existing loan I had with Rise credit to an amount of {$2500.00}. Since that date I have been making regular payments twice a month of {$230.00} and it has all been interest. I have made 21 payments, so over {$4000.00} in interest and my principal balance has not gone down at all. I am at a loss of what to do, because I was in a tight spot but had I known id be living this nightmare I never would have taken out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Already submitted everything! I will keep submitting complaints until this is resolved!!!! I did NOT GO TO THIS ER AND GET THESE SERVICES DONE!!! THE ATTACHMENT I PROVIDED WAS TO SHOW I'VE BEEN DEALING WITH IDENTITY THEFT I WAS NOT " CONFUSED ''. THE ONLY THING CONFUSING IS THAT ITEMIZED BILL THAT SHOWS ABSOLUTELY *NOTHING* TO SHOW THIS WAS ME!!!! BC IT WASNT!!!!!!

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 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA

Complaint narrative:
Account placed with 2nd collection agency. XXXX automatically renewed service after 2 yr contract, tripled my monthly rate, called to cancel and they charged XXXX cancellation charge. Placed with another agency that removed debt. Idiots at XXXX replaced. I want this removed immediately!!!! Also filing a complaint with FCC for unfair practices. Also this is over 7 years old!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ID

Complaint narrative:
I transferred my loans to XXXX XXXX over a year ago. They still haven't processed my paperwork correctly. They continue to tell me there will be a wait of up to six additional months to assess my account and paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lincoln Educational Services Corporation
State: TX

Complaint narrative:
I enrolled at XXXX XXXX XXXX in XX/XX/XXXX, and didn't qualify for financial aid and had to apply for a private loan. I wasn't accepted into the school anymore and had to start making payments on the loan. I initially started making payments in XX/XX/XXXX while XXXX in XXXX and stopped due to financial problems. And then the harassments started. I spoke to financial counselor about the situation of XXXX XXXX calling me throughout the day, leaving voicemails, texting me, and threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 my bank Account at Bank of America was closed due to bank policies regarding international clients I was told. At the time I had XXXX $ Dollars balance. I did not get my funds via check through the mail as they said I would. I went to the branch near my home and did not receive any info or help, they said I should check the mail. Its been more than 2 months and I have not recieved my funds yet.

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 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/XXXX I made a made a payment arrangement for this account. I have paid the monthly payment as agreed and mailing it to the address I was given. 

In XX/XX/XXXX I received a letter that my account had defaulted due to non-payment, and was now with a collection agency ( XXXX  ). After many hours on the phone, I was told that Citibank only has a record of payment for XX/XX/XXXX and XX/XX/XXXX. The representative did everything but accuse me of lying when I told them that I had the canceled checks. I spent HOURS trying to get this resolved.

Finally, I went to the " Executive Response Unit '', at which point they discovered that they had applied the payments to the wrong account ( my husbands ) despite the fact that my payments were signed by me and included a sticky note about the payment arrangement, and were sent to a special address for payment arrangements and did not include a regular bill. In other words, their fault. Eventually they removed the payments from my husband 's account and applied them to mine. The Executive Response Unit ( which I have been dealing with for six weeks ) sent me a letter yesterday indicating that they were not going to respond to any of my other requests. 
( The agent at the " Executive Response Unit '' was XXXX XXXX, XXXX ) So, I HAD made the payments according to the arrangement, but THEY mis-applied them. They made no apology for all of the hours of my life I lost to this, of course. However, they are refusing to do two very reasonable things.

1 ) Remove my account from the collection agency and restore it to the original payment plan, which I was making as agreed all along 2 ) Correct my credit report, which had taken a huge hit from the " referred to collection '' report.
I am not looking to avoid my responsibility for this debt, only to be able to settle it as originally agreed. Thank you for your help.

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 2018-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: TN

Complaint narrative:
To whom it may concern, My client XXXX XXXX XXXX and I are very dissatisfied with the process in which Movement Mortgage provided for the transaction, located at property ; XXXX XXXX XXXX XXXX XXXX. XXXX, Movement Mortgage has failed to take accountability for the mishandling of XXXX XXXX file. XXXX XXXX set out to relocate to XXXX XXXX  from XXXX, by the end of XXXX and XX/XX/XXXX, the day before we were set to close XXXX XXXX XXXX and I were told, The loan was denied by XXXX XXXX XXXX, supervisor to XXXX XXXX XXXX, due to income, how is this so when that is verified initially. I entrusted our affiliated partner Movement Mortgage, to provide my client with exceptional service, in which they failed to do, Movement Mortgage, states 7-Day Process and how fast the file goes to underwriting, if this is so how did this happen and why is my client distraught/lost XXXX Earnest Money, XXXX Appraisal and XXXX Inspection, totaling XXXX. XXXX XXXX received a Conventional Pre-Qual letter on XX/XX/XXXX and I followed up with the loan officer XXXX XXXX to make certain that XXXX XXXX file was all set to move forward, prior to the beginning of the home search process, I was informed that XXXX XXXX file was all set to write offers. On XX/XX/XXXX we presented an offer on property XXXX XXXX XXXX XXXX XXXX XXXX and the offer was accepted on XX/XX/XXXX, at which the contract went binding and set to close on or before XX/XX/XXXX, and 25-day financing contingency. My client, the listing agent and I, had a rough time getting in contact with the Loan Officer, only when I saw the Loan Officer XXXX XXXX in the office he would inform me that he would reach out to the listing agent and my client, he assured me that the file was moving right along and would close prior to the anticipated close date, which was false. I would like for Movement to take accountability for the mishandling of XXXX XXXX, the entire process was difficult/stressful, from the improper verification of income, lack of communication, incorrect appraisal order FHA instead of Conventional. Attached are the documents used in the transaction. Please advise how you all would like to proceed. 



XXXX XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
My car was turned in XX/XX/XXXX before the lease was up and our local dealership paid off the remaining lease. As I knew, everything was handled and the car was under mileage and in great shape. XX/XX/XXXX, I started getting phone calls from ally saying I owed fees. I asked the gentlemen why havent I received a statement via mail or email but just a phone call. We verified my email and address and said I would not be paying any fees until I received the summary of charges in the mai. My address has not changed so still unclear why I got a phone call. The guy was harsh and I asked to not be contacted until the bill was mailed and once received then I would contact them. The calls began daily even on Saturday. All hours and it interrupted my job as well. A month later still no statement or email so I did answer and asked again for the next 4 months to mail or email me a statement and its the end of XXXX and still receiving harrassing calls now even from their attorney supposedly. I have still not received a statement of the charges via mail or email. Again my addresss havent changed. These calls have caused additional stress along with affecting my credit. How can you or anyone pay a bill based on a phone call? No statement or anything. The calls have been several times a day 6 days a week now for 5 months when all I asked was to mail a statement. This is harassment and at this time I will not pay for claims I have yet to receive and for the addtonal stress and time they have taken from me, a price cant do justice. I want this dropped before I start filing a case!

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 2018-06-22 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
I am writing a response to Helvey & Associates regarding a FTC avid avid and request for removal. A police report has been filed with XXXX military police. Documentation has been sent to XXXX XXXX of Indiana and will also be sent to you and will arrive soon. However, the item needs to be taken down immediately. I will also forward you letter to the FTC with police report as well. I have forwarded your response to the corresponding officer and my attorney. If the items is not removed immediately I will move forward with civil suite . Once again I ask that you remove this item from my XXXX, XXXX, and XXXX  report. I would like to work this out with you but if a resolution if not met I will seek further legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files.

I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.

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 2018-06-22 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: GREAT LAKES
State: DE

Complaint narrative:
I made a payment of {$720.00} on XX/XX/2018, 3 days after I made my required monthly payment of {$240.00}, and requested the payment specifically be allocated solely to loan XXXX to pay it off. Instead, Great Lakes allocated the payment across XXXX, XXXX, and XXXX. This is the second time that Great Lakes has ignored my allocation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife and I bought a home and had the mortgage threw Chase Mortgage. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that Chase continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and Chase Mortgage directly multiple times and have been ignored every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
To put this in a nutshell on XX/XX/2018 I was charged two insufficient funds of {$34.00} each by Chase bank! I have three accounts that are co existent together ... .I had over {$29000.00} in one account and over {$2000.00} in another account! Why is Chase Bank so Greedy for money when in fact they are already making money and Good Money on a daily basis with the money that is sitting there in the other account ... .I made a mistake of not transferring some money over and they refuse to give me my credit for the NSF ! I feel like I have been violated and abused by this mammoth of a company that has no practical sense or do they care about there loyal customers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 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: LA

Complaint narrative:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files. 
I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.

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 2018-06-22 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: LA

Complaint narrative:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files. 
I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
I tried to open an HSBC Advance Checking account on XX/XX/18. I was declined. I think I failed the Auth Interview questions. I tried multiple times to contact HSBC and see what could be done toverify my identity ( i.e. send in SS card and Driver 's License ). I was told to call my local branch, so I called the XXXX, DE branch who said they can't do anything to open the account with the same terms ( {$350.00} reward ) for opening it online. I am looking for someone competent at HSBC to assist me with opening this account and honoring the {$350.00} reward if I deposit {$10000.00} within 30 calendar days.

Company response to consumer: Closed with explanation