vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
My income tax was garnished in violation of 15 USC 1692-1692p. Not my debt nor did the lawyers of the recovery company contact me nor did they provide whose debt this was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: WI

Complaint narrative:
Sent : XX/XX/XXXX To : CFPB Subject : Having problems with XXXX XXXX XXXX My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of XXXX XXXX XXXX, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ XXXX monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to XXXX XXXX. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: WI

Complaint narrative:
Sent : XX/XX/XXXX To : CFPB Subject : Having problems with XXXX XXXX XXXX My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of XXXX XXXX XXXX, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ XXXX monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to XXXX XXXX. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Sent : XX/XX/XXXX To : CFPB Subject : Having problems with XXXX XXXX XXXX My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of XXXX XXXX XXXX, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ XXXX monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to XXXX XXXX. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
InXX/XX/2017 Google cancelled payments to my " wallet. '' They never notified me until I inquired. To which I was told, via email, they suspected fraud. I was given no way to discuss the matter over the phone or in person. I was told via another support person that my account was being investigated. 

They will not tell me what is wrong or reopen my account. I have {$930.00} US Dollars in the account that I can not withdraw. 

It is very misleading that I can have an account that they can choose to shut down without explaining why and not letting me access funds. 

Goggle wallet/spend is horribly unregulaged and they use and sell my personal information. There is no way to contact them as the " investigators do not have phones, '' as i was told. So what is stopping them from stealing everyone 's money?

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 2018-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a credit collections report for XXXX XXXX and the State of Texas shows the company committed licensing fraud on my account and the State gave me the option to return the vehicle, so I did the credit report you refused to fix after sending proof of the information so XXXX XXXX shows it as a repossession and its a lie I proved it and Transunion refused to let me dispute the matter.

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 2018-05-26 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: GRANITE STATE MANAGEMENT & RESOURCES
State: WA

Complaint narrative:
My servicer is Granite State Management Resources ( GSMR ). First, they removed the checkbox for " Do not advance payment date '' from the online payment interface, so that overpayments were automatically applied to future payments, rather than to reducing principal. In order to access the option, you had to make a double payment. Then, the removed the box altogether, even for more than double payments. In order to have your payment applied to principal, you had to follow up with an email through their online " Contact Us '' form. Then, several days later, they would reapply the payment to principal. They did not allow you to make this a permanent request, you had to follow up after every payment. After making my payment today, I attempted to follow up online through their website, but the online contact form is now gone. You have to follow up by phone ( M-F, XXXX XXXX ; conveniently, I am on XXXX ), mail, fax, or they now have a " Visit Us! '' option with an address in New Hampshire. Really?! This is ridiculous. I have been trying to pay off my loans as soon as possible, but GSMR keeps increasing the difficulty to do so. When I have spoken with the servicer on the phone, I have always questioned these changes, and requested that they reinstitute the options that make repayment easier and simpler. They are not interested in this feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have a private loan with Navient which used to be Sallie Mae. I have requested they lower my student loan payment in which on XX/XX/XXXX I was denied repayment options because : " After financial review you and/or your co-signer appear to have the ability to maintain the contractual terms. My co-signer is deceased. I have sent Navient his death certificate and they are still sending me mail with my fathers name attached to notices. They either have lost/or mishandled important documentation stating that I no longer have my co-signer available to help with paying my loan. 

On the month of XXXX my Mother received a call saying I was delinquent and I would be sent to collections if I did not pay before the beginning of XXXX. I called two months previous making sure I was put on a scheduled payment plan. One payment to be taken out on the XX/XX/XXXX of every month and one to be taken out on the XX/XX/XXXX of every month. When I called them to pay the requested amount they told me that I owed even more money because I was taken off auto-pay. They also said they no longer had my phone number to contact me. They allowed this to go on for two months increasing my interest rates and charging me late fees. This is harassment to be told I have to pay or I will go to collections and it is illegal they are increasing my interest and charging me late fees with their own mishandling of my account. They are already being sued for these allegations. I would like to make a formal complaint and find out how to either be dismissed from this loan or to receive repayment. 

The company has refused to lower my payments and continues to tell me that I will be sent to collections due to delinquency. I do not have a cosigner to help assist with me the amount of money they are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
The facility did not adequately disclose the cost of the expected services after presenting insurance card. There was no other financially obligation discussed. I was not contacted regarding any additional balance until it was in collections. My flex spending account would not accept the balance due to timely filing. I also received the explanation of benefits months after the date of service. This letter stated do not pay as it was just an explanation of benefits.

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 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Filed a complaint about the tactics used with XXXX and XXXX XXXX XXXX XXXX ( XXXX ) and Transworld Systems Inc ( TSI ). XXXX issued paperwork regarding a debt collection to the wrong address with no attempt to certify reciept. XXXX also did not address their connection to TSI. Paperwork from XXXX shows debt transferred to TSI. Paperwork dated XX/XX/XXXX " your debt was certified to the Treasury Offset Program and transferred to our third party collection agency TSI. '' also " If you have any questions or concerns about the account, please contact TSI at XXXX. When contacting TSI, they stated " they do not own the account and can not provide you a statement or history on the account, please direct your questions to XXXX ''. XXXX mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX ; this address was not valid as I had been in XXXX for a year. No attempt to call or contact was made past this letter. When I was finally contacted via telephone on XX/XX/XXXX, they refused to attempt a repayment and required me to go through TSI.  XXXX/TSI violated 15 USC 1692J for furnishing deceptive forms as to who held the debt/account. 

Debt has been payed completely through TSI. When asked for a finalized statement, TSI, again, could not provide. When contacting XXXX, they could also not provide. The representative did say the account had been closed since the default date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
This creditor has called repeatedly, from approximately XX/XX/XXXX to XX/XX/XXXX, using a local number, XXXX, to harass myself and my family for a debt of which I have no knowledge, and/or for which is over 10 years old. The last call I received was by an elderly woman who informed me that this matter would be sent to court for collection. 

COMMONWEALTH FINANCIAL SYSTEMS Creditor Information XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account Number XXXX Collection Date Opened XX/XX/XXXX Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX {$640.00} Original Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I have spoken to Bank Of America over the phone asking why they had closed my account years ago putting suspected fraud activity on my ( XXXX ) XXXX XXXX XXXX credit report and XXXX   XXXX report, And they had told me they do not need to give me that information they told me they do not need to tell me anything of why account was closed Then i sent them a letter to see if i get a response about the account they forwarded to the credit department and i got a letter stating that they did a investigation and everything is correct but i had sent a letter to ask for reason of closure.

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 2018-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I owe two payday loans and have done so for years but this time I have defaulted. I am on social security and just do not have the funds to repay at their rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: FL

Complaint narrative:
This has been an ongoing problem and I have called on 2 separate occasions to complain. I have 2 accounts ( checking ) one has an overdraft line of credit and when I transfer money into it the online program has it immediately removed from checking account and when I look at the line of credit it has what I transfer under Available Balance however if some ACH payment occurs or I use my debit card I get charged for an overdraft fee and am told it wasn't credited yet-. The online banking should then not have it under Available balance its deceptive and has happened when I transfer from the account which has the overdraft protection to the overdraft how is that possible - it means the money is in neither account but in limbo and they charge me as if it wasn't there while it's processing??? The same bank charged me XXXX to check balance- at another bank machine which I would be ok with but to charge an overdraft fee for the XXXX $ seems to me to be criminal. I hadn't followed up with them since the last two times I was wasting my breath- I even sent screen shots showing the available balance line. I get passed from the brank division to the credit card division ( my line is XXXX + XXXX credit card. ) I was financially devastated by recent hurricane so now its a big issue. I have no idea how many times it has happened because I am a small business and constantly over drawn - which is not to say I think that's good or ok either but my husband became XXXX and so we are constantly scrimping and I often am not paid for XXXX - 60 days after completing a job so it happens. Branch Banking and Trust

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 2018-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I had two XXXX XXXX XXXX XXXX card accounts ( # XXXX ) and ( # XXXX ) as of the beginning of this year when the accounts, among a few others, were closed on XX/XX/XXXX. Unfortunately, along with this closure, the bank also canceled our credit card reward certificate for the calendar year XX/XX/XXXX, the " XXXX Cash Rewards, '' for the amount of {$1400.00}. When I called Citibank customer service over the telephone they advised me to write a letter to Citibanks Executive Response Unit ( see attached letter sent on XX/XX/XXXX ; attachment titled No. 1 ) inquiring as to why the points we had earned over the course of the whole year prior had not been included in our XXXX Statement. 

I received a responding letter from Citibank Client Services/Executive Response Unit on XX/XX/XXXX, stating that we did not receive the credit card reward certificate because our account had been closed ( see attachment titled No. 2 ). 

This was despite the account being open for the entirety of XXXX ( XX/XX/XXXX - XX/XX/XXXX ), and it being open from XX/XX/XXXX, until the time that it was closed on XX/XX/XXXX. As such, we asked that the rewards issuance be sent to us given that we had been accumulating points for over a year regardless of the account closure, and because the account was closed in XXXX, not XXXX. Furthermore, we had been notified in our XXXX statement that we would be receiving our rewards along with our XXXX statement, in an amount of {$1400.00} which had already been issued ( see attachments titled No. 3 and 4XXXX and XX/XX/XXXX bank statements ). When we received our XXXX statement, our rewards were not included. 

Following some correspondence with the bank, we met with XXXX Customer Service in person at one of the branch locations on XX/XX/XXXX, and were informed that our certificate had actually been issued already and processed on XX/XX/XXXX at XXXX XXXX, and that it was later canceled by Citibank on XX/XX/XXXX ( see attachment titled No. 5 ), which was 4 days after our account was closed. This indicated that the bank proactively took steps to cancel our reward issuance after the fact that it had been processed and after the account had already been closed. 

We are asking for this to be investigated so that you can help us get our earnings back, as our account had been in good standing all of XXXX and our account closure in XX/XX/XXXX should not have affected what we had earned on the account in XXXX. We believe that we are entitled to our reward earnings as long as our account was in good standing for the duration of the year in which we had been earning points and through the first two months of XXXX. 

We would appreciate your attention to this matter. Thank you.

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 2018-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
This is a fellow up with previous case # XXXX-XXXX. you have requested more information. Here I attached the documents that will show you my mortgage you bought from XXXX XXXX XXXX. This is the Assignment of the Deeds. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation