vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I received my XXXX return tax check from IRS on the the XXXX of XXXX I went to the Bank on XX/XX/XXXX I deposited check amount of {$7100.00} I was being told by the supervisor that some of the funds will be clear on the account the next day and they will put a hold on the Remaining, the next day I find out they place a hold on the account and I was not able to use my card, I went to the branch and I spoke the fraud department numerous times I provide them with everything they ask for they still holding my check the account was closed the same month in I never receive anything in the mail I contact the fraud  I was being to call IRS so they can issue me another, when I contact them they send me a claim package I fill it out and mail back to them 4 weeks later When I contact them to get an update on the claim I was being told the claim was released for me to go back to the bank and have them give me my money because the bank cashed the check then i contact the fraud department a supervisor told me go to one of a Branch and provide them with any prove that stated the check was made out to me when, I went to the bank they told me they can not help me for me to contact fraud   until they can release my money. Every time I called the fraud  department a supervisor told me the funds can not be released to me and I need to contact IRS again. Please I need help I dont know what to do anymore its been 3 1/2 months since hold my money, I havent able to pay my Rent and my phone bill for the past 3 months. Please 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 2019-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Communication has been made with Bank Of America. Consumer StatemenXXXX Report also was approved. Written to the liking of all 3 credit bureaus. Discrepancy in their systems has not been corrected. Inaccurate balances on portfolios.

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 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: RI

Complaint narrative:
On XX/XX/2019, I received a letter in the mail from the law firm of Linebarger,  Goggan, Blair, & Sampson re : " Notice of Debt ''. The letter was dated XX/XX/2019, and written by XXXX XXXX, allegedly a partner at that firm. The notice states that the firm is a debt collector, and that I have an outstanding debt of {$51.00} for delinquent tolls and " associated fees ''. They did not threaten to file a lawsuit. The end of the letter quotes passages from the Thruway Authority regulations in order to scare the recipient of the letter into paying without further question of the validity. A website, XXXX, is given for payment. I also received a Client Code ( XXXX ), and an Online Payment Number ( XXXX ). 

This letter is a scam. I have driven in New York a few times, and always paid my tolls immediately through the valid site, which is NOT XXXX, but XXXX. I have not driven in the state for over a year. 

The website the letter sends the recipient to is simply the website of the law firm, NOT the New York Thruway system. The letter scams recipients into believing that they are delinquent on a toll. In each legitimate toll bill I have received before, the date, time, and often a picture of the car are included in the message. None of these is included here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My credit report is showing an account from Capital One that was closed and paid in full in 2017. This is still appearing on my credit report as included in bankruptcy. Nothing was discharged in bankruptcy as it was paid in full. I have talked to Capital One and they agree this account was paid in full and nothing discharged in bankruptcy and they said I need to dispute it with the credit Bureaus to take it off. However, every time I dispute it, they keep telling the credit bureaus that it was included in bankruptcy. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company
State: MD

Complaint narrative:
For probably the 4th time in 6 years, my mortgage has been sold to yet another servicing company. While I understand the loan is a financial investment for these companies, when they sell the mortgage, it creates work for me ( setting up new online accounts, setting up online payments, etc .... ). Yet the companies seem to reap the profit and I'm stuck with work. While I understand cfpb can't do anything about this, you can make sure these companies follow the rules when they continue to inconvenience their customers. My current mortgage company ( 3rd one ) is XXXX XXXX. They sent me a notice dated XXXX XXXX ( which I didn't receive until XXXX XXXX ) that my mortgage was sold to XXXX XXXX   XXXX effective XXXX XXXX. They gave me well less than 30 days notice. I have not received a notice from XXXX XXXX yet and its only 10 days before the transfer is to take place. I'm pretty sure they are required to provide notice at a minimum 15 days before. While I get this is a minor issue, they are not following the law and quite frankly, I'm tired of these companies selling my loan, making money and inconveniencing me while they are doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: MS

Complaint narrative:
On or about XXXX 2019 I noticed a strange debt on my credit report. I contacted the creditor listed ( XXXX XXXX XXXX ) and the reporting agency ( Plaza Servic ) Both refused to listen ; [ E ] ven after I explained that I received a denial of credit letter indicating someone already attempted to  open an account in my name. SEE ATTACHED The letter also listed reasons for the denial.I filed a dispute that the account was open fraudulently, and the fact the account was even charged off to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019, I was charged for {$440.00} for XXXX XXXX which I have no knowledge of. I have contacted Capital One and they have failed to compensate me for these gradual end charges and a rep by the name of XXXX has failed to give me information on higher authority above her to resolve this issue. No proof has been provided to me that I made the charge. I notified them that my wallet was stolen from someones house and my card was missing from it, hence why its considerate a fraudulent charge. I called in the fraudulent charge once I saw the alert on my phone. They are failing by holding me responsible for a stolen card and telling me to deal with the dispute domestically

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I'm a XXXX veteran and I have recently had my rating increase to XXXX % As per the state of Illinois any rating higher than XXXX  % is tax exempt and I'm now text exempt. After numerous contacts with freedom mortgage, I believe I was intentionally misled as to when it would be applied. My lawyer 's office was previously informed that in XXXX freedom mortgage would conduct an escrow analysis and make any necessary adjustments and apply my exemption. I have provided VA award letter to the county assessor 's office with the necessary documents and in return I have received a letter from my assessor 's office stating that I'm now tax exempt. I have forwarded the text exemption letter from my local assessor 's office along with my VA XXXX rating award letter as my previous tax bill and that shows the amount of SSA I would be liable for. if I were not misled as to the application of my tax exemption I would have never refinance with this company and went with another lender. I'm now being told that I have to wait a year to receive my tax bill that states that I'm text exempt shows XXXX dollars due. Which the letter I have clearly states that I'm text exempt and none will be due. Veterans and XXXX veterans beware, freedom mortgage policies and guidelines directly Enforce the holding of monies from veterans when it is clearly not necessary.

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 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
In XX/XX/XXXX I did chapter XXXX bankruptcy, I decided to keep my mobile home through ditech financial. I paid ditech through the trustee, that same year we had a horrible hail storm and it did XXXX in damage to my home, the home needs new Windows, siding and a new roof, I contacted ditech for 5 or 6 months to no avail, so I took them off the bankruptcy and stopped paying them. Next I offered them a settlement on my house I've been paying on since XX/XX/XXXX, originally the mortgage was XXXX and after paying from XX/XX/XXXX to XX/XX/XXXX I now owe XXXX. I offered XXXX for a settlement and they said yes but needs all XXXX at once. I can't come up with that, so currently they left a house is vacant and abandoned sticker on my door. I've had nothing but problems from this company, XXXX was my first holder and they charged XXXX convenience fee when paying over the phone, ditech does the same thing. Please help and thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
Company mailed letter asking for me to settle debt. I am on XXXX benefits from the VA and social security. Also letters have been mailed to me via incorrect address, therefore involving a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has deleted 3 other fraudulent XXXX XXXX accounts on top of others, however in my past disputes they seem to skip over this one. Even when I opened a dispute immediately after they deleted the others, they said this was correct. This XXXX XXXX account does XXXX is fraudulent and is listed in my identity theft report. It needs to be removed.

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 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
I received medical services from XXXX XXXX XXXX on XX/XX/2019. I was charged a total of XXXX ( my co-pay/co-insurance ) after my insurance plan paid and processed the claim. I paid in installments. A balance of XXXX was paid in XXXX. Check number XXXX was cashed on XX/XX/2019 by XXXX XXXX. 

On XX/XX/2019, I received a voicemail message from debt collector, Balanced Healthcare Receivables ( XXXX ) regarding a debt. I also received a letter the week of XX/XX/2019 requesting payment in the amount of XXXX. I then received more calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/2019, I called and spoke to XXXX in XXXX XXXXXXXX XXXX Legal Department-XXXX or XXXX. She confirmed a balance of XXXX on the account. I informed her of the XXXX call from the debt collector and requested a letter in writing regarding the account and that Balance Healthcare should be contacted regarding said balance. She stated a letter will be sent and should be received in about 14 business days. On XX/XX/2019, I spoke to XXXX re : letter that was not received and my conversation with XXXX on XXXX and the additional calls made by the collector. She said to wait until XXXX to receive the letter. I leave a voicemail message for XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX again. I am more than frustrated now. I reminded her of our conversation on XXXX and all of the above. I clearly state that I am now being harassed for a debt that was paid. She claims that the letter will be mailed on XX/XX/XXXX and that it should be received in 5 days. On XX/XX/XXXX, XXXX, of Balanced Healthcare Receivables ( XXXX ) leaves another voicemail message regarding her attempt to collect a debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: P.S.C., Inc
State: WA

Complaint narrative:
I was balance billed inside insurance contract. But I was granted % 100 financial assistance through the hospital. So they are illegally sending me to collections. I requested information from the collection agency which refused and threatened me.

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: AL

Complaint narrative:
Ive been with my prepaid card company around three years card.com or XXXX XXXX. on there policy if i get a qulified deposit of XXXX in 30 days my mantance fees of XXXX is wavied to XXXX dollars. I recive a check from social security on the first but my check is loaded on my card 5 days every month before the first which buys me 4 or 5 days before company policy 30day mark. When ive noticed i contacted them they only refunded me XXXX twice in two defferent months. But im charged XXXX every month on the XXXX. Im getting feed up of this breach of contract but cant find a lawyer to sue for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had fraudulent activity on my account, resulting in debt of XXXX XXXX the bank is saying that I owe them XXXX $ because they cant reverse XXXX money transfers. I am a full time XXXX XXXX with no money to pay this back. Especially when it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Cavalry Portfolio Services , LLC to Validate my debt under the FDCP and never received any documentation with my signature on it as Validation as I requested. The collection is still reporting on all 3 bureaus as of XX/XX/2019. All I receive are statements concerning the debt they say I owe of {$3300.00}. The debt was not properly Validated on both attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LTD Financial Services, L.P.
State: KS

Complaint narrative:
I first received a call from LTD in XXXX concerning a debt from my last rental property that was sent to their collections. The first call i received I was harassed by someone who stated they were a lawyer and would force me to live in the projects if i didnt pay the amount owed. After repeatedly asking for proof of the debt, they said i had to get it from the property, the property said it was sent off to LTD and they no longer had it. After 4 months i get an itemized statement showing outrageous charges ( amounts that didnt make sense ) for cleaning, damage etc ... called to try and resolve the debt after, never heard anything back. My wife finally called on XX/XX/XXXX to resolve the debt, was sent to voicemail and never heard anything. I called today, XX/XX/XXXX and the phone was picked up, however noone answered. I could faintly hear in the background people talking saying if they dont have job/money move on to the next as well as people mumbling, smoking, and coughing in the background. I do not believe this business is legitimate and they are scammers. According to XXXX reviews we are not the first to have this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: TN

Complaint narrative:
On XXXX I set up payment arrangements to pay Cedar Financial for a debt I had accrued with XXXX University. It was imperative that I get this done because I am enrolled in XXXX University and I can not attend the school have have a debt in collections at the school. I spoke with a representative at Cedar Financial. In which I wanted to arrange to pay {$50.00} a month. He told me that that would was not a significant enough amount. He asked what was my gross income. Then he asked how much was my rent car note and other household expenses. He calculated what I had told him and then told me that i had 600+ dollars remaining and told me I needed to pay more. I told him I did not have it and that I would like to keep the {$50.00} a month payment arrangement. We scheduled the one time payment and gave me a website that I could go to pay online moving forward. 

Cedar then contacted the school and told them that my payment did not go through and that payment arrangements were not set up and stated that we had a " verbal agreement '' On XX/XX/2019 knowing that my payment has come due again. I went online to make the ONE time payment. Cedar financial took 2 payments instead. I contacted my " account manager '' by phone 7 times no response. I contacted Cedar finacial directly they forwarded my calls back to the " account manager '' No answer. I called back again and spoke with another representative who told me that when You make an online payment they will post the payment twice. I told him that was unacceptable I only authorized one payment and that I would like to have my money refunded back to me. He then put me on hold to contact the billing department and stated that the money would be refunded. I asked for a confirmation email to show that the money was going to be returned. He stated that he would send it over in 5 mins. The money was not returned in fact the payments posted the next day and I never got a confirmation email The

Company response to consumer: Closed with explanation