vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Adjustment Bureau, Inc.
State: IA

Complaint narrative:
We are being charged interest rates on medical bills. 
XXXX XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX total XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX total XXXX XXXX XXXX amount XXXX interest XXXX fees XXXX amount XXXX XXXX XXXX XXXX XXXX about XXXX interest XXXX fees XXXX amount XXXX Other creditors amount XXXX interest XXXX fees XXXX amount XXXX From everything I've read it's not legal to charge interest on medical bills because interest was never written in the original contract. When i asked why they were charging interest on medical she told me they were allowed to do that as a 3d party debt collector. I don't have exact dates but the statement date i have here is XX/XX/2019. I have been paying on this for maybe 2 years {$50.00} every other week..did n't look at statements because their amounts were high and figured it would take awhile. I was told the money goes to principal then they get there interest after. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I accepted an off at First Tennessee Bank that if I started a new checking account with direct deposit I would receive a {$200.00} bonus. After 3 months I received no bonus I asked them how long it would take and at that point I was told that I didn't qualify since I had a savings account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
On XX/XX/2019 I submitted my 10th modification Application I was denied on XX/XX/2019 forDebt to Income Ratio The representative confirmed my Income incorrectly. 
I advised him that all proof of Income was provided. 
We were then transferred to Loss Mitigation. 
A representative by the name of XXXX confirmed that the proof of Income was present. Her point was it was present on page 78. 
I was told to write a letter due to Lenders error. 
I wrote a letter and immediately sent it back on XX/XX/2019. 
On XX/XX/2019 I called to check on the status of my Letter. I  was rudely spoken to by the Team Leader XXXX who informed me that there was no Appeal on the Lenders error and that I would have to re-apply. 
Because she was so Rude I chose to speak to someone else.

Two additional Representatives stated they would Escalate my case to the Underwriter.

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 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XX/XX/XXXX Subject : Ocwen Financial Corp. Consumer Lending and Foreclosure Practices XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Good afternoon, My name is XXXX XXXX XXXX and I owned the property at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX, which is now being auctioned off by Ocwen as a foreclosure. 

I am writing to inform you of the horrendous mortgage lending practices of Ocwen and demand that this foreclosure be removed from my credit report and my husband, XXXX XXXX and I be removed from the property as owners of recordas this home is in limbo. 

We purchased this home in XX/XX/XXXX through predatory lending practices. This loan would have never been permitted under the Mortgage Reform and Anti-Predatory Lending Act - Title I : Residential Mortgage Loan Origination Standards - ( Sec. 102 ) Amends the Truth in Lending Act ( TILA ), which was passed in XX/XX/XXXX, to prescribe fiduciary standards for originators of residential mortgages, including complete and timely written disclosure of : ( 1 ) the comparative costs and benefits of each residential mortgage loan product presented by the originator ; ( 2 ) the nature of the originator 's relationship to the consumer, including the cost of services provided by the originator ; and ( 3 ) any relevant conflicts of interest between originator and consumer. 

Still, we paid on our home for 10 years. In XX/XX/XXXX, my job was moved to New Jersey and we had to move. We immediately put the home on the market with XXXX XXXX XXXX in XXXX, MA. Because we were now renting in New Jersey, we could no longer keep up with payments. 

This home had multiple offers, which were approved and moved toward closing. Despite Ocwen approving a short-sale, they never followed through with any of the offers. This home could have been sold and off the books in XX/XX/XXXX. That is over 2 years ago. Instead, Ocwen pushed this home into foreclosure and still lists us as the owner of recordprohibiting my family of five from being able to secure a mortgageeven though we have very solid income, good credit and no debt. This is absolutely unacceptable and Ocwen should be held accountable. 

I appreciate you taking the time to investigate this! Please share your response. 

Best Regards, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I know I owe Security Finance for a loan. I have told them I have had some financial set backs and will pay them as soon as I can. I can handle them continuously calling me but they keep calling the references on my application and harassing them. Calling them at work, when there at the doctors office over and over again and then being rude when they answer. I have told them on the phone and in writing to stop contacting my references and to not call my work again. They don't think they have to follow the rules.

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 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: NC

Complaint narrative:
here have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.

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 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I was in a auto accident in XXXX of XXXX I was rushed to the XXXX XXXX XXXX anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had XXXX and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX Bridgecrest sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report

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 2019-06-17 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
noticed this on my credit report and I tried to contact the consumer however no luck. This is not my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: UT

Complaint narrative:
FIRST COLLECTION SVCS violated the the governed laws under FCRA 611 ( a ) ( 5 ) ( B ) by reinserting a previously deleted debt that was due to fraud and identity theft they failed to send any proper notice within 5 business days of reinserting the debt back to the credit bureaus. I am now filing a complaint with the CFPB for this violation as this is a willful and direct act of breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
noticed this on my credit report and I tried to contact the consumer however no luck. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: Capio Partners, LLC
State: FL

Complaint narrative:
noticed this on my credit report and I tried to contact the consumer however no luck. This is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2019 at XXXX Eastern Time I received a text from XXXX indicating that my SIM card was changed. I proceeded to find a public phone to call XXXX immediately and suspend the line at around XXXX. 

By that time it was too late, and the perpetrator was able to gain access to my XXXX ( XXXX ) reset the password and utilize that to gain access to my Coinbase account. 

I had around 4-5000 USD worth of BTC in the account at the time, and the perpetrator continue to purchase additional coins inside my account. 

Access to Coinbase and they are not responding to my active ticket inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/2019, a friend requested through Cash App that it forward {$55.00} to my XXXX XXXX  checking account. On XX/XX/2019, another friend requested that the company forward {$41.00} to the same account. Both used my cell phone number, and I only have one, to request the transfers to my account. In addition, I sent a {$100.00} payment to someone on XX/XX/2019. I checked Cash App to follow up on all these payments last Thursday, XXXX XXXX. I never received the first two payments, and my bank confirmed they were not received, although Cash App says the payments were made. The {$100.00} payment I made was never accepted by the recipient, and the Cash App shows it expired -- but the money was not returned to me. 
Attempts to reach them online through the app were futile, so I reached out through XXXX last Thursday, XXXX XXXX, and tagged CFPB. Cash App 's support service said someone would contact me within 12-24 hours. Almost four days later, I'm still waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was in a auto accident in XXXX of XXXX I was rushed to the ICU trauma center anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had GAP and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX XXXX sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report

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 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was in a auto accident in XXXX of XXXX I was rushed to the XXXX XXXX center anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had GAP and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX XXXX sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been disputing this account for a while. The company has attempted to verify the account. 
Wells Fargo card services-XXXX According to my credit reports this Account was opened on or around XX/XX/2014 at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 
I did not live in XXXX at this time. I have attached a picture of my government issued ID at the time proving that I lived at XXXX XXXX XXXX XXXX, XXXX   XXXX. From XX/XX/XXXX-XX/XX/XXXX. This alone proves that the timelines do not add up. Please remove this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: IL

Complaint narrative:
I filed a bankruptcy in XXXX the bankruptcy did not include my mortgage with US BANK however US BANK stopped reporting my mortgage to the credit bureaus. I called US BANK multiple times and each time I was advised that if a person filed bankruptcy that they were not required to report my mortgage payments to the credit bureau. I called again in XXXX of XXXX and was advised by XXXX in the bankruptcy department that in order for them to report my payments to the crew bureau I have needed to complete a form prior to XXXX of XXXX. I escalated the call to the manager XXXX and I informed her that I signed a reaffirmation form in XXXX of XXXX that stated that by signing the form it would make it possible for US Bank to submit beneficial credit reporting on my behalf. I spoke with XXXX from the bankruptcy department XX/XX/XXXX who informed me that us bank decided not to report to the credit bureau on my behalf even though we have a signed agreement on record with the courts.

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 2019-06-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On or around XX/XX/XXXX, XXXX XXXX deleted 2 collections from my credit reports ( as they did not belong to me ). Equifax deleted both. On or around XX/XX/XXXX, a dispute was initiated for obsolete inquiries, they were deleted. At some point around that time Equifaxs faulty system split my file into two, blocking multiple trade lines, good and bad. At the time I had no idea what was going on, and called multiple times. Spent countless hours on the phone with reps. At this time EQUIFAX reinserted  XXXX  XXXX. This is a direct FCRA violation. Speaking with multiple reps, Im being told submit a dispute. I thought perhaps Equifax would straighten this out themselves with the thought in mind that they have this information as XXXX XXXX obviously sent this information to them before. Nothing happens. Eventually I get a rep whom straightens out the spelling of my middle name, and he again tells me I must file a dispute. My issue is, it takes 30 days to have a dispute done why should I have to wait 30 days? Im telling you XXXX XXXX deleted this themselves, they sent me a letter, you have this info available in house which a rep did confirm, however I have to spend money for a dispute ( bc Equifaxs faulty system also has me locked out of the dispute portal ) either mailing or faxing. Against my own wishes, I submit a dispute XX/XX/XXXX. I also provided the letter XXXX XXXX sent. During this wait I managed to get a rep named XXXX on or around XX/XX/XXXX, who spend 40 plus minutes on the phone with me and finally contacted the consumer affairs department and got my file straighten out. Everything was merged back together. At this point I notice that three collections from XXXX XXXX were also on my report. XXXX XXXX on or around XX/XX/XXXX, deleted themselves from my report as well. This didnt upset me too much, bc I figured that my report was in some sort of black hole, which is probably why. I waited a few days for it to sort it self out. I call Equifax, I told to file a dispute. Absolutely NOT! You have this information!!!! Why should I have to? Ive emailed equifaxs executive offices multiple times. To make matters worse, I received a response from my dispute on XX/XX/XXXX this past past Saturday XX/XX/XXXX, in which they state this XXXX XXXX was verified?!!?!!? Hooooowwwwwwwwwww? They claim they never received my fax with supporting documents?!? This is ridiculous!!! Equifax is NOT properly investing bc I can assure you they have this information internally, and also XXXX  XXXX would not verify this as THEY SUBMITTED FOR DELETION! this is ridiculous, and I can not understand how and why they are continuing to violate my consumer rights by not complying!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Beginning in XX/XX/2019, I discovered my mortgage payments had not been applied to my account with Quicken and late fees were being applied even though Quicken has been cashing my payments every month on or before the XXXX when the mortgage payment is due. ( i.e. XXXX or XX/XX/XXXX ) I tried calling for several weeks and could never get anyone on the phone. Finally I spoke with someone a couple of weeks ago and was told my escrow payment was increased by {$260.00} each month due to earlier tax bills being anticipated 2 month earlier than normal! ( i.e. XXXX or XXXX instead of XXXX ) When I proceeded to tell the Quicken representative ( XXXX ) that is not true and to send me something in writing from my tax office, she said they didn't have anything in writing from the tax office. I made it very clear that I had spoken with my tax office as well as looked on the website for the 2019 tax bill due date and was told there is no bill date yet however each year its somewhere around late XXXX but bills should be mailed out sometime late XXXX or XXXX. I've also attached a screenshot from the county 's website which reflects this. After talking with this rep, I asked to escalate to a manager but was told I couldn't speak with any one higher in the organization or escalate my complaint. I was then called by another rep ( XXXX ) who at stated she talked with the county and the tax bills didn't have a due date but they have a potential to change based on when the tax bill is due and that Quicken would not be reversing any late payments on my account!!! How can a mortgage company increase my payment by $ XXXX/month and start charging me a late fee due to tax bills that have not been assessed nor has any indication of requiring payment earlier than what they have been over the last 20 years! This is mortgage fraud at its best! Please help!

Company response to consumer: Closed with explanation