vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Mid   XXXX  - I applied for a refinance loan throug h TD Ban k. My original mortgage was through   XXXX   XXXX  . At the initial application m y Homeoweners insura nce was through  XXXX  with a  XXXX  policy effective date.     During the closing process, I was able to get a cheaper rate through  XXXX   XXXX   XXXX  .      XXXX  I paid  XXXX   XXXX . in full with an effective date of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I emailed TD bank and notified them of the change and provided receipt of Payment. Also, asked them to update the closing documents as no escrow accrual was needed since new policy was paid in full.     -- -- -Original Message -- -- - From :  XXXX   XXXX   XXXX   XXXX   XXXX    Sent : Tuesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   To : 'Jeffcoat  XXXX   XXXX   XXXX   XXXX  Cc :  XXXX  XXXX  XXXX  ;  XXXX  XXXX  XXXX  Subject :  XXXX  :  XXXX  Payment Receipt For  XXXX   XXXX  Hi  XXXX   ,  Please see the receipt of Payment on my homeowners, please let me know if you need any additional information.        XXXX / XXXX / XXXX  - Closing date. Closing document reflected a 5 month escrow at {$580.00}. I questioned this with the lawyer and he said  TD w ould notice this and refund the amount that was over escrowed at closing.      XXXX / XXXX / XXXX  - I asked TD to look into the insurance escrow - No response.      XXXX / XXXX / XXXX  - TD informed me the escrow was only looked at annually and I would need to wait a year to get my money back.     Original Message -- -- - From :  XXXX ,  XXXX  F [ mailto :  XXXX  XXXX  XXXX   XXXX  Sent : Wednesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX  To :  XXXX ,  XXXX   XXXX   ;   XXXX ,  XXXX   XXXX  Subj ect : RE  :  XXXX  Payment Receipt For  XXXX   XXXX  I will let the closing manager know to reach out to you to discuss. They do not refund money out of the escrow account. Only the servicing department does that and they only consider these requests on yearly basis. Thanks.      XXXX   XXXX   XXXX   | Lending Team Manager  | Retail Credit and Loan Originations Mailstop :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  T :  XXXX  | F :  XXXX  NMLS ID #  XXXX   TD Ban k  , America 's Most Convenient Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In  XXXX  I noticed on my credit report that I have a collection account that I never heard off. It was the amount of  XXXX  As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
This company bond to collect in Texas was canceled in   XXXX  , which makes it illegal for them to collect debt.   This company is not bonded in Texas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
The following agency is not bonded in the State of Texas and can not legally collect debt. Please remove from my credit report and confirm the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A Georgi a State Tax Lien  (  XXXX   XXXX   XXXX   XXXX   ) is showing on my credit report. Tax Lien is sho wing as filed  XXXX / XXXX /  XXXX  . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX   XXXX , based out of Pennsylvania has been a nightmare. I have had an account removed multiple times over the last 2 years and it KEEPS SHOWING UP. It seems like they 're just changing dates or doing something shady. I requested that they verify my debt, which they did n't, and it was deleted from my report. Since  XXXX  of   XXXX   this so called debt has been off and on my report on  6 seperate occasions. Yes, that is 6. It has   appeared as being placed into collections from  XXXX . It was also placed into collections by  XXXX   XXXX   XXXX . Each time, it was removed. Now, it is showing back on my report AGAIN and it is on my   XXXX   and Experian. I am sick and tired of dealing with the credit collection agency fire sale blowback. It is frustrating and causing me financial strain. It is my understanding that if a credit collection is to be re-inserted into a credit report, that I am to be notified by A. ) the collection agency. B. ) The credit bureau. That is a federal law, am  I right? Becuase I have not received not one  shred of mail from any of these companies in ages. I have not received a phone call from these companies. It just seems like they 're throwing it on, and when it comes off they try again ( without following protocol ). The laws are there to protect citizens like myself, and to be honest I feel helpless at this point. When does it end? How does Experian and  XXXX  justify just letting any credit collection agency post a collection onto a consumers report? Do they even verify? Because if they did, they would find it a little odd that this is now  the 7th tim e the same debt is on the same persons credit report in 2 years. Please, I need help and I am out of options.

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 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: E. A. Uffman & Associates, Inc
State: TX

Complaint narrative:
They reporting that I owe a debt but I asked them to send me the original contract bearing my signature and their and I still have not received it

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 2017-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On  XXXX / XXXX / XXXX  I called the company that has this charge in my credit report. Comenity bank/  XXXX   XXXX   XXXX   I spoke to  3 people there. Non s eemed to know why this acct that opened on  XXXX  and CLOSED in  XXXX   XXXX  is in my credit report. They told me they do n't have any records, They could not give me any information, not even verify it was mine. They said they would have to research that far back.   I never to my knowledge had a credit card in  XXXX .   Please help me with this. I am sure this was not mine and it was closed per this company 23 years ago.   The whole report on this is not correct. It says recent payment {$25.00}. incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted letters to Equifax,  XXXX , and   XXXX   regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
There are two problems concerning  Loan Care LLC .   First When I applied for this mortgage I was never asked if I had a job. At that time I did not have a job I was on unemployment. My thought was if they would give me a loan I would some time to find a new job and continue my payments. I did not find a job. The whole process was really a strange experience. The lady that came to do the mortgage came at  XXXX  at night, and did not get done until around midnite. Plus she did not seem to know what she was doing. Since it so late she could not call her office to ask questions.   Secondly, I have been trying to g et Loan Care to  clear my credit report from the reporting agencies since  XXXX  of   XXXX  , and I just get a runaround. They admit that it is past the time to take it off the credit bureaus. I think  Loan Care may h ave done things during my application process that were not to 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 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In  XXXX / XXXX / 17  I made mobile deposit of my pay check {$620.00} which it told me would be available on  XXXX / XXXX / 17 . I later got a email saying {$420.00} was being withheld until  XXXX / XXXX /   17  due to overdrafts in the past 6 months. Firstly the did not give me access to the {$200.00} until  XXXX / XXXX /   17  after I called to inquire about it. As of  XXXX / XXXX / 17  it shows the full check being deposited as of  XXXX / XXXX / 17 . I think it is very wrong for me to be charged {$100.00} in overdraft fees for money they held just to be nasty. It usually takes the bank  2-5 da ys to receive payment for cashed check not 11 days. I do n't feel I should be penalized for this. The check deposited covered charges made and I believe I should be refunded {$100.00} that was charged in fees. The bank statement is showing {$620.00} as being deposited on  XXXX / XXXX / 17 . I should be refunded {$100.00}.

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 2017-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I would avoid u sing Ally. Their return policy is deficient, my vehicle sat on the dealers lot for 4 days before someone inspected it. In that time damage appeared and now I am held responsible for the damage. The inspection should be  done while the owner is present, like most other leasing companies do.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Friday   XXXX   XXXX   XXXX   I contacted  XXXX   XXXX   XXXX   XXXX  to refinance my car loan from  XXXX   XXXX . I submitted an application by phone to  XXXX   XXXX  tele #  XXXX   XXXX   XXXX  x  XXXX . After I gave verbal permission to run my credit and  FICO sco re I was informed my score was  XXXX . This is NOT possible since I just refinanced my home with a FICO score of  XXXX . I explained this and was told this is the underwrites decision. I obtained copies of my credit report & FICO scores on   XXXX   XXXX   XXXX   which showed  XXXX  Experian  XXXX   XXXX  &  XXXX   XXXX . Additionally I sent copies of my credit report from  XXXX   XXXX  who refinanced my home which shows  XXXX  ... see attached docs.   On Monday   XXXX   XXXX   XXXX   I applied to  XXXX   XXXX  to feri at a lower rate. Again I was shocked at what my own bank told me here is what they told me bUT would not disclose my FICO score.    XXXX   XXXX   XXXX  ext  XXXX  Application number  XXXX  Applicant  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  Vehicle  XXXX   XXXX   XXXX   Vehicle I dentification Numbe r ( VIN )   XXXX  Loan type Auto Refinance Amount requested {$12000.00} Amount approved {$12000.00} Interest Rate 11.49 % fixed rate Annual percentage rate ( APR  ) 1 11.929 %  APR Term 48 Monthly loan payment {$320.00} Loan closing date   XXXX   First payment date  XX/XX/2017

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 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage loan was sold to Freedom Mortgage.   I refinanced the loan with another lender on  XXXX   XXXX ,  2017 .   My  Freedom  Mortgage statement ( online and received by mail ) shows the loan being paid off in full on  XXXX   XXXX .   On  XXXX   XXXX , Freedom Mortgage drew a mortgage payment from my bank account.   This is after the refinance was completed and my account was paid off.   My  Freedom  Mortgage statement shows that Freedom Mortgage reversed the draw on the same day,  XXXX   XXXX .   However, I did not receive the payment in my bank account, and have not received a check or other payment in the   two weeks since that date.
I have called and talked to their " customer care '' agents, checked with my bank, sent Freedom Mortgage my bank statement as requested showing that the funds were not returned to my bank account, and asked Freedom Mortgage to properly reverse the transaction and return the funds to my account.
Freedom Mortgage is telling me that they need to research what happened to the funds, and that they will have an answer fo  r me ( but will not necessarily return my money ) by  XXXX   XXXX , ano  ther two weeks. I have asked them to return my money while they research what happened to their transaction, but they have refused to do this.
I have been unable to speak to a supervisor or manager. They have repeatedly put me off, telling me the supervisors are in a meeting, the managers do n't get on the ph  one, the cash person they need to check with is at lunch, they will have to call me back.   They have effectively stolen money from my bank account by withdrawing it after my debt with them had been satisfied, and they are refusing to immediately correct this.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I received a notice from  XXXX  that I had activity on my credit report. Upon accessing the   XXXX    site and viewing my report I saw  XXXX  discrepancies but do not know if they are related.   The first issue is a hard credit inquiry from  XXXX  on  XXXX / XXXX / 17 . I did no  t authorize this and I am currently not seeking credit of any kind. The  XXXX  site did not give means for addressing this and did not give contact other than a   XXXX   XXXX   .
The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with  XXXX  and I need to have that address disputed with the other creditors as well.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I received a notice from  XXXX  that I had activity on my credit report. Upon accessing the  expirian   site and viewing my report I saw  XXXX  discrepancies but do not know if they are related.   The first issue is a hard credit inquiry from  XXXX  on  XXXX / XXXX / 17 . I did not authorize this and I am currently not seeking credit of any kind. The  Experian  site did not give means for addressing this and did not give contact other than a  XXXX   XXXX   .      The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with   experian   and I need to have that address disputed with the other creditors as well.

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 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Payments Check Services, Inc.
State: TX

Complaint narrative:
I been trying to get them to send me the original contract bearing my signature and their signature showing we have a contract showing I owe them money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
T o whom it may con cerns, I recently disputed this debit and I received copy of the bill which included my medical record. I have never authorized  XXXX   XXXX   XXXX  to provide my medical record to a third party. The document provided by the debt collection agenc y ( Medical Revenue Service ) is cle ar violation of t he HIPAA l aw.  XXXX   XXXX   XXXX  has provided my lab report which clearly stated the details regarding my lab. These are medical information that should have stayed between my doctor, myself and the hospital. I was traumatized during that period and my medical data and information should stayed with the doctor. I was never given the chance to review this bill because I have never received it and I certainly did not authorize  XXXX   XXXX   XXXX  to provide my financial and medical record to a third party. I do not know who Medical Revenue Service is and I absolutely do not owe them a single penny.   I am allowed under th  e Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the attac  hed account to be deleted immediately from all three credit bureau agencies.      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 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
We are in default of our mortgage.   OCWEN has mishandled most of the correspondence.   I filed a Ch  XXXX  in   XXXX   to stop the foreclosure which was scheduled for   XXXX   XXXX   XXXX  .   OWCEN via   XXXX   XXXX   filed for relief and the judge granted it in  XXXX .   Since then the information that I receive from  OCWEN is conf using & very often conflicts from what they had said in a prior phone call.   Also, I received a letter on   XXXX   XXXX   XXXX   " IMPORTANT INFORMATION ABOUT YOUR CONDITIONAL DEED IN LIEU OF FORECLOSURE APPROVAL ''.   I received a call from  OCWEN on    XXXX   XXXX   - they said that there were liens on the property and asked me to get a pen to write them down.   I said no - that I needed it in writing and that it seemed to me that this would be the legal protocol.   Then they recited my email address - incorrectly - I had updated this 4 times in the past yet they still have the incorrec t one. I now  question what email communications that I   have missed that may have prevented a foreclosure.
When the judge granted relief to OCWEN they asked t  hat my attorney provide authorization & permission to directly speak with me which was faxed to them on the day of their request.   Mos  t timea that I call they claim that they do not have the authorization document & when I insist that they DO I get put on hold for up to 30 minutes while they check for it - and they always come back and apologize for the inconvenience saying that I do have this authorization.
OCWEN called m  e on Monday,   XXXX   XXXX   and left a voice mail.   I called them back today, Wednesday,   XXXX   XXXX   and my " relationship manager '',  XXXX   XXXX   XXXX , said that she could not speak to me - did not have this authorization from my attorney - looked for it while I was on hold - and came back to say there is no such authorization & to call my attorney.   I am completely frustrated because o f OCWEN inab ility to maintain up to date information and generally manage the D.I.L. application status for this mortgage.    OCWEN has h ad me in the dark for months now.

Company response to consumer: Closed with explanation