vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
The XXXX XXXX XXXX This company ran a criminal background check on for employer XXXX XXXX : XXXX ( FL ) XXXX ( BILLCODE : XXXX ). However, there are some incorrect information was on background. The report also contain information on XXXX XXXX, which is not me and is not connect with me in anyway. The review following information below that is incorrect : Report requested on : XX/XX/2018 Report completed on : XX/XX/2018 Case Comments : Limitations on the DOJ 50 State XXXX XXXX search. 1.  NEVADA : This search does not provide results from the State of Nevada, as by both statute and regulation, information from the Nevada XXXX XXXX Registry web site can not be used for employment purposes and can not be distributed commercially. 
2. OREGON : This search has special conditions from the state of Oregon. Information is only provided for XXXX XXXX who have been designated as XXXX, as provided in ORS 181.585, who have been determined to present the highest risk of reoffending and to require the widest range of notification or are found to be a XXXX XXXX XXXX offender under ORS 144.635. 
*** CONFIDENTIAL BACKGROUND SCREENING REPORT *** ( INFORMATION CONTAINED IN THIS REPORT IS PUBLISHED IN ACCORDANCE WITH FEDERAL AND FL STATE LAWS ) REPORT SUMMARY COMPONENT IDENTIFIERS STATUS RESULT SSN Trace XXXX Complete Complete County Criminal Record XXXX, XXXX XXXX, FL-XXXX Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 Office of Foreign Assets Control XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Clear Office of Foreign Assets Control XXXX, XXXX XXXX Complete Clear DOJ XXXX XXXX Search XXXX, XXXX XXXX   Complete Level1 DOJ XXXX XXXX Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Level1 Enhanced Nationwide Criminal Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Complete Enhanced Nationwide Criminal Search XXXX, XXXX XXXX Complete Cl

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PRA purchased a debt from XXXX XXXX that should not have been eligible for recovery. XXXX failed to honor and provide account protection was on the account. XXXX needs to by back the debt and both companies need to immediately correct the information on my credit report. The debt was not and is not eligible for sale. XXXX has sent written communication regarding correcting the account and is in the process of doing so. PRA has never had any rights to the debt which also includes an extensive amount of interest and late fees that were added incorrectly. This has been a complete mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: WA

Complaint narrative:
Two years ago ( XX/XX/XXXX) I was enrolled in a low deductible health insurance plan with an HSA account. There was a low balance fee ( custodian administrative fee ) of {$2.00} per month for balances under {$2000.00}. I changed health plans in XX/XX/XXXXto one that did not have an HSA. I did not contribute to the HSA nor did I withdraw from it in XX/XX/XXXX, and I did not carry any balance. It was effectively unused and deactivated. This year I changed back to the same plan as in XX/XX/XXXXwith the same HSA. In XX/XX/XXXX I was charged {$30.00} ( 15 x {$2.00} ) in fees for low balance. It's possible {$2.00} of that was for XX/XX/XXXX, but the other {$28.00} ( or minimum {$24.00} for 12 months of XX/XX/XXXX x {$2.00} ) was charged for when I was not able to use the account. I called the benefits administrator ( XXXX ) and they called in with me to Bank NY Mellon, and both parties said they were unable to reverse or waive the fees. This was in late XX/XX/XXXX or early XX/XX/XXXX.

Note that I changed addresses in XX/XX/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 monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XX/XX/XXXX, Sunrise Credit Services received a certified letter from myself requesting debt validation. The company sent a Billing Itemization. On XX/XX/XXXX, a 2nd certified letter of request to validate debt was sent to Sunrise Credit Services requesting proper debt validation per FDCPA guidelines. The letter requested a response within 15 days. As of today, XX/XX/XXXX, Sunrise Credit Services hasnt  responded to my request.

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 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Please be aware that we have read Mr. Cooper response to complaint # XXXX. We ask that time is allowed to have a housing counselor their legal department and our attorney advised us before signing documents we do not understand and did not agree with the terms, but have read the explanations behind them. Also be advised we do understand time is of the essence as this has gone on for many months, although the last hurricane ( Harvey ) played a role in this delay as well as reassessing our circumstances. As of today 's date, XX/XX/2018 an emergency called was placed to XXXX, a non profit agency working with consumers who are in a financial housing crisis to help collaborate with other housing agency and compare our situation with the modification we were approved for via Mr. Cooper. We expect to have this resolved in less than 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX card thats connected to my Bank of America account was pinging my account for charges even though my line of credit with XXXX was still full ( due to a stolen card ). Rather than alert me that this was happening, causing multiple overdrafts, bofa just kept processing these resulting in 15 overdraft fees of {$35.00} each being collected between XX/XX/XXXX and XX/XX/XXXX with charges of fees being well over {$500.00}. When I called on XX/XX/XXXX and not only let them know that this card has been stolen ( and those charges werent even legit, something Im working out with XXXX ), BofA wouldnt remove any fees and claimed to not be able to do anything further bc the fraud department was closed. I had just deposited my months check ( not knowing the extreme negative in my account ) and all the charges left me still in the red and without cash. Again, my issue with XXXX and my stolen card is certainly an issue ( as the charges were in XXXX XXXX and I was in XXXX ) but the actual overdrafts fees imposed by bofa where FAR higher than these fraudulent charges.

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 2018-04-02 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: PA

Complaint narrative:
I took out a personal loan for 36 months in XX/XX/XXXX with no penalty for early repayment. The loan will be paid off XX/XX/XXXX with 91 % of the principal paid. My credit report does not reflect my payments or correct loan balance. After speaking with other customers who paid their loans early, I am now fearful that XXXX will continue to not report the correct status of the loan and that they will continue to take automatic drafts out of my account after I make the last payment in XX/XX/XXXX. I am preparing to seek legal assistance if XXXX does not honor the terms of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Nguyen Law Firm, PLC
State: VA

Complaint narrative:
I had a XXXX XXXX and a XXXX on my XXXX done by XXXX XXXX XXXX on Friday, XX/XX/XXXX and Friday, XX/XX/XXXX, I paid {$1200.00} out of pocket. I just got a letter from a law firm stating I owe an additional XXXX. I call the XXXX XXXX XXXX and they stated the insurance didn't cover what was done. I then called my insurance company and they stated XXXX XXXX XXXX used the wrong dental codes and overcharged by {$500.00}. After I got the dental work done by XXXX XXXX XXXX, I thought it was a bit much so I went to another dentist in the area to get work done on another XXXX. They quoted me on a XXXX on the opposite side with two options : a XXXX and XXXX XXXX XXXX XXXX. The XXXX quote was {$1200.00} and the XXXX XXXX XXXX was {$280.00}. Unlike the XXXX and XXXX I got done at XXXX XXXX XXXX, I opted to get the XXXX XXXX XXXX. XXXX XXXX care has a history with The Nguyen Law Firm , PLC in bullying people and ruining their credit with overcharging clients.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MS SERVICES LLC
State: WY

Complaint narrative:
Salutations! 

I was wondering in the State of Wyoming, can collection agency re insert the same debt twice? I noticed this on XXXX XXXX, it was listed under two different names, MS LLC, and XXXX. Then in a about a month both disappeared from my credit score. Shortly after these events which was around XX/XX/XXXX. The amount was {$420.00}. 

I made arrangements with the company MS Services LLC, XXXX XXXX XXXX XXXX # XXXX, XXXX, WY XXXX to take {$110.00} per month electronically out of my bank account starting XX/XX/XXXX, and the have been doing so since then and my balance is down to {$110.00} as of today. 

On XX/XX/XXXX I got a notification from XXXX XXXX that the same collection agency MS LLC put a re insertion report for collections in the amount of {$110.00}. 

Is this legal? Can you investigate this? Do I need report them to the Consumer Financial Protection Bureau? 

Thank you for your time! 

Sincerely Yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My mortgage was absorbed by Mr. Cooper from Nationstar mortgage around XX/XX/XXXX. On XX/XX/XXXX, my mortgage was increased by {$190.00} to fund an escrow account that I did not authorize. While investigating this, I found out that Mr. Cooper had paid my property taxes in XX/XX/XXXX without my approval or consent, and without any escrow account to fund the payment. 5 months later, Mr. Cooper established an escrow account and deducted the cost of my property taxes, leaving me with a negative escrow value. I was not aware of this until XX/XX/XXXX after Mr. Cooper again attempted to pay my property taxes, this time from a negatively funded and unauthorized escrow account. Please note : I had already paid my property taxes as I was unaware Mr. Cooper was attempting this. While trying to resolve the issue, I was informed that I would need to provide proof that Mr. Cooper 's property tax payment was an overage and until that I would be liable for the amount in the escrow account. This is appalling.

UPDATE - on XX/XX/XXXX, I received a letter from Mr Cooper acknowledging " Our records indicate that the escrow account, for payment of the property taxes, was established in error. '' They will allow me to close the escrow account and will not charge me for the 2nd tax bill. I  am continuing with this complaint believe I believe what I experienced is blatant abuse if not consumer fraud, and because the company did nothing to proactively resolve or prevent the issue for the entirety of the 8 months that it existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: IL

Complaint narrative:
When first encountered by XXXX they said I was a cosigner. Now they have put this account on my credit report stating i am the owner of said product and I owe them over XXXX dollars. tried today XX/XX/18 to speak to someone at XXXX and was placed on hold for over an hour. Placed a call to Perfection Collection only a voicemail. All i wanted to know was the date I purchased this item and what location it was mailed to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have been in contact with Portfolio Recovery Associates over an alleged debt they now own, which they have supposedly purchased from XXXX XXXX. PRA claims that I owe {$310.00} based on a credit card that was issued by XXXX XXXX with the account number " XXXX. '' I have asked PRA to provide Validation of the alleged debt. I have asked in writing, via email, for such Validation. PRA HAS TOTALLY REFUSED to validate this debt. PRA claims they have purchased this debt from XXXX XXXX, but refuses to provide any paperwork proving that I both incurred and owed the debt to XXXX XXXX originally. 

Please make PRA provide the original documents proving that I contracted with XXXX XXXX for a credit card with account number " XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My home was flooded and Wells Fargo gave me a 3 month reprieve. After I started paying on it after the 3 months I saw that I was being hit with lates each month, even though the rep has a note in my file to give me a 3 month reprieve it kept my account in a 120 day late status. I have tried calling multiple times and I am told that they do see a note in my file that I had a 3 month reprieve and would fix it, but nothing ever happens. Please remove the late off of my Wells Fargo account immediately.

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 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Nationstar failed to provide proper notification of monthly payment increase, fialed to provide proper notification of annual escrow analysis completion, failed to provide proper notification of increase in autodraft, failed to respond to direct complaint within 30 days, failed to provide explanation of creating escrow cushion at 1/12th which deviates from the RESPA 1/6th ruling, failed to respond to direct question " if the shortage payment is made in full, will that reduce the monthly payment to the previous lower amount? ", and failed to provide a copy of the recorded conversation on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I want to file a CFPB complaint against Ally Financial for abusive practices. My car loan with them is for a single borrower, myself. None of my family are on my car loan as co-borrowers. They were listed on the initial paperwork as emergency contacts only. 
Ally has called my brother and my parents and have done the following : 1 ) Identified themselves as a financial institute trying to get a hold of me for my car loan.

2 ) Have asked my family if I am dead.

3 ) After talking to my family, Ally proceeds to call them continually to harass them to get me to call them even after they have asked them to stop. My family has been told not to talk to them or take their calls.

4 ) They have contacted my parents using a phone number that they recently obtained, and was not listed on the emergency contact information.

5 ) They call my cell, leave text messages, and have called my work number all in the same day. They do this every day, except Saturday and Sunday

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 2018-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I'm a cryptocurrency trader and I've been hacked right of the XXXX XXXX. I had {$4000.00} and XXXX of bitcoin which was worth about {$1800.00} at the time before my account was completely wiped out. I contacted Coinbase the owners of gdax about the issue as soon as I noticed I had no money in my account. They told me that they set my case as a priority and that I should be contacted in 2 weeks. This all happened XX/XX/2018. It's been almost a month and a half and they still are not taking any action. I give them a call every week and they give me the same answer. They tell me that they set my case as a priority and that I have to just wait. They are not giving me a time of when they'll get back to me and or when I'll receive my refund. I'm just left helpless with a frozen account that I can't trade with it and about {$5800.00} of my money stolen, in which I have no idea when I'll get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX continues to report misinformation from XXXXCBNA, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I have disputed their information for over two years with XXXX and XXXXCBNA continues to give the credit reporting agency false information. According to XXXX 's report a payment was made to XXXX/CBNA   on XX/XX/XXXX. Any activity by me with this creditor ceased long before that date. I am asking that XXXX/CBNA provide proof of any such activity actual hard copy proof, including a ledger accounting of all payments and dates these alleged transactions occurred. XXXX/CBNA was asked and I am also requesting that they provide confirmation that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. I make this statement because my ex-wife had a habit of mishandling my affairs. This may not be the case but XXXXCBNA must prove that I conducted the alleged transactions and not her, because I did not. Without this proof, XXXXCBNA should advise XXXX to immediately remove any information on my credit report. 

This account is NOT listed on either XXXX or XXXX. 

XXXX  was notified, and XXXXCBNA has been notified as well that their false reporting has caused me financial harm and created a negative impact on my personal history. If this false reporting is not corrected not later than XX/XX/XXXX I will pursue all legal means against XXXX and XXXXCBNA to  seek compensation for the harm suffered.

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 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
In XX/XX/2018, my mortgage loan was transferred from XXXX XXXX XXXX c/o XXXX XXXX to XXXX XXXX XXXX c/o Specialized Loan Servicing LLC. 

I sent my XX/XX/XXXX payment ( amount XXXX ) to the new address ( XXXX XXXX XXXX, XXXX GA, XXXX ) with the old loan account number on the check. The check was cashed on XX/XX/2018 by Specialized Loan Servicing electronically and not credited to my account. 

I contacted SLS on XX/XX/XXXX explaining the mistake. A ticket was open to research it.

Resolution date from SLS is given as XX/XX/2018. That is after the RESPA protection window, so I may be subject to fees, penalties for this misdirected payment. 

This is not a timely resolution for a simple misdirected payment, in my opinion. And that my check was cashed and held by the servicer means that I would have to make double payments to bring my loan current.

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