vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have a {$50000.00} CD account with Wells Fargo. I have had this CD at the current location for 9 years. It is a 5 year CD that has already renewed once with the maturity/renewal date of XXXX. I received a letter on XXXX that my local branch of Wells Fargo is closing in XXXX XXXX. I called the branch today XXXX to see what I needed to do to close the accounts that I hold there and move them to another local bank. They informed me that I would have to pay early withdrawal fees for closing the CD that I have before the maturity date of XXXX XXXX. I asked the bank to waive this fee as they were closing the branch that I banked at. The person that I spoke with at my local Wells Fargo was very polite and friendly. She told me that she would check with management to see if that was something they could do. She called me back later today to let me know that they had received email confirmation from the main Wells Fargo Bank head quarters that they would not waive any early withdrawal fees. I then asked to speak with someone at the head office and was given this number to call ( XXXX ). I called this number and spoke with a lady that confirmed what I was told at my local bank. I am only moving my account because the branch is closing and I do not wish to drive 45 minutes to another Wells Fargo bank to do my banking when I have XXXX other local bank choices. The bank states that they are not closing Wells Fargo ( they are only closing the branch that I bank at ).  Therefore, they will not waive the early withdrawal fee. If I were moving they would not have a care in the world about me as they do not have a care in the world about moving my accounts to another bank further down the road. It seems that if they move or close then I should be happy about them taking my money with them or that I have to pay them a fee to keep my money local. Well, I am not happy about any of this. Where the XXXX did customer service go?

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 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was notified that my current automatic payment ( matching the amount on my current statement ) has been suspended. The amount due has gone from {$1500.00} to {$12000.00}. They told me that my interest rate was supposed to have adjusted over 2 years ago according to my 2009 modification agreement. I was never notified of any changes. My loan is serviced by Ocwen Loan Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX ' located in XXXX, IL, representatives keep calling my place of employment when I 've asked them to remove my job phone number from their database. This debt was resolved before the company of which they are referencing went out of business. These collection agencies buy these lists for pennies, and try to make reckless collections. They are annoying and they need to be stopped. I looked at the BBB website and XXXX XXXX XXXX has 138 complaints for calling people 's place of employment unauthorized on top of being rude. They are calling my employer 's main number and asking to be transferred to my office. They should n't be able to practice unfair debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Central Finl control has failed to validate medical debt they 're claiming I owe. I initially sent a debt validation request in XX/XX/XXXX, followed up with a certified letter asking them to validate this debt again. They have failed to do so up until this point. The debt was reported XX/XX/XXXX for XXXX and again XX/XX/XXXX in the amount of XXXX for services rendered at XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
On XXXX XXXX 2017, I was denied an auto loan based on some company called SageStream LLC.?? Never heard of them before, and ca n't contact them, only by mail. I know on XXXX XXXX 2017, my scores were XXXX XXXX, XXXX XXXX and XXXX was XXXX. This company sagestream has my score at XXXX??? are you kidding me, after all the fuss of making sure my credit is the best it can be, here comes some interloper who I never heard of, who wo n't take a call and no response when written to. Please help in this matter. Now I have XXXX inquires and 5 denials! Can I sue for fraudulent reporting. Thank you 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 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified consultant has reported a debt that does not belong to me and has failed to validate this debt. this was reported on XX/XX/2016 for XXXX for phone services from XXXX. I requested that they validate this debt by sending a certified letter to the collection agency in XX/XX/XXXX, and followed up with another certified letter in XX/XX/XXXX. As of today, they collection agency has failed to respond, yet it is still reporting negatively on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX took over operations for XXXX XXXX XXXX XXXX and is not providing any account history. My account numbers have not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Enclosed evidence of errors in Credit report. Wrong information regarding XXXX XXXX mortgage report, per enclosed 4 pages of evidence ; 1 ) XXXX XXXX action following a late payment dispute, was to refund to my husband and l, 100 % ONE HUNDRED PERCENT, of all late charges, XXXX refunded to us over {$4900.00}. 2 ) At no time during this dispute did XXXX XXXX apply late charges in 2016. 3 ) XXXX actions prove the dispute existed .At that XXXX were guilty of wrongful actions against their customers, which is part of the public record. . 4 ) The Credit Agency, in wrongfully showing late charges that were refunded to us, seriously harms us. We cant get a new mortgage, which is depleting our savings. Current cost to us is very substantial, over 100.000.00 And growing by the day. 5 ) In refusing to alter the record, the Credit Agency unfairly negates our right to dispute XXXX XXXX Mortgage Banks unfair actions.

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 2017-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Enclosed evidence of errors in Credit report. Wrong information regarding XXXX XXXX mortgage report, per enclosed 4 pages of evidence ; 1 ) XXXX XXXX action following a late payment dispute, was to refund to my husband and l, 100 % ONE HUNDRED PERCENT, of all late charges, XXXX refunded to us over {$4900.00}. 2 ) At no time during this dispute did XXXX XXXX apply late charges in 2016. 3 ) XXXX actions prove the dispute existed .At that XXXX were guilty of wrongful actions against their customers, which is part of the public record. . 4 ) The Credit Agency, in wrongfully showing late charges that were refunded to us, seriously harms us. We cant get a new mortgage, which is depleting our savings. Current cost to us is very substantial, over 100.000.00 And growing by the day. 5 ) In refusing to alter the record, the Credit Agency unfairly negates our right to dispute XXXX XXXX Mortgage Banks unfair actions.

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 2017-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC

Complaint narrative:
1 ) American Medical Collection Agency is attempting to collect {$230.00} for services I never received. The amount in dispute stems from a botched XXXX XXXX conducted by XXXX XXXX, in which improper procedures were followed and the results were invalidated. This resulted in my doctor having to order additional XXXX XXXX with another company and additional expense to myself. Both myself and my doctor 's office have attempted to resolve the matter with XXXX XXXX Directly. Upon each attempt to speak to representatives by telephone, we found their customer services agents completely befuddled and unable to cope with a simple request of correcting an erroneous bill. Due this absolute ineptitude on the part of employees at XXXX XXXX, the " usual procedure '' of " rolling '' unpaid medical ills into debt collection in order to intimidate payment out a consumer has occurred. However, the company has an obligation to only bill for services it actually has provided as well as correct bills that resulted from botched testing ( in which test results were found to be obviously invalid ). a ) The specific problem with the testing was 1 ) my doctor ordered two XXXX XXXX that were to be repeated 7 days apart to determine my reaction to a XXXX By XXXX 's mistake, both blood tests were done at the same time ( the same tests were performed at the same time ). Yet, the results of these two tests were wildly different, despite the fact that they were made from the same blood taken at the same time. So, XXXX botched the XXXX XXXX in two ways, and both myself and the doctor 's office have asked that they remove these charges from my bill. 2 ) I have explained the problem in letters to both XXXX XXXX and American Medical Debt Collection Agency.  Both of my letters on this matter have been completely ignored and not responded to by either firm. 3 ) After receiving an initial letter from American Medical Collection Agency, I requested verification of this debt. They have failed to provide this in violation of state and federal law. They did respond to my new address and by providing me a copy of their permit to collect in N. Carolina ( which is evidence that my letter requesting debt verification and request was received by them, yet ignored ). 4 ) The XXXX/XXXX/XXXX debt collection letter I received from American Medical Collection Agency contains illegal bullying tactics in that it has the phrase " Credit Record Reporting ... ..Credit Record Reporting '' printed in multi-color ink running vertically along the right hand side of their letter multiple times. As you know, Federal Law does not allow for the credit reporting of illegitimate medical debt, and such reporting can also not be attempted by law until at least 18 months from the transaction date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Place for Collection XXXX Amount {$390.00} Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone XXXX XXXX XXXX This shows on my Credit Report. I do not have any knowledge of this debt. I called Portfolio Recovery and they did not have any record of this debt. I would like to wipe this from my credit report. I called XXXX XXXX and they could not do anything. I appreciate if you could help me to resolve this dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
Approx XXXX I had an account with XXXX XXXX, which ended when the cell company refused to show me reasoning for the amount claimed owed approx. {$750.00}. I specifically ask for dates, reasoning for the extra charges, why we were being charged the extra fee 's, who authorized any additional plans, etc ... XXXX responded back stating the account had been turned over to a collections agency. We immediately contacted the collections agency requesting the same intel as with XXXX. The collector replied stating they were unable obtain the intel we were requesting, but demanding to be paid. So we refused to pay the amount of the debt we simply did NOT owe, but simply offered to pay what they could prove we owed ... I admit we owe them money, but only XXXX of what they claimed. Now, 5 years later, we have a different collector requesting to be paid, but each time, with each collector, the amount keeps growing ... Now, the bill has grown to {$1000.00} but offering if we pay in full, they 'll reduce it to {$530.00} and show on our credit report " AGAIN '' as a debt write-off ... Which I 'm sure they will sell that amount to a different collector ... How can our XXXX allow for the credit companies to keep selling and re-selling, and re-selling, and keep re-selling a debt and keep putting it on your credit report without having to show how or why you owe the amount claimed ...? Any help is greatly appreciated ... Many thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C System Inc has a debt reporting on my credit report that does not belong to me. I 've requested that they remove this debt by sending a certified letter, in XXXX and then again in XXXX, as of today i have heard nothing from reporting creditor, but they 're leaving comments on my report. The debt in question was opened in XXXX/XXXX/XXXX for XXXX for a XXXX account that i know nothing about.

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 2017-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have a High Yield Savings account with Synchrony Bank. On XXXX my credit union account was debited for {$170000.00}, Synchrony did not give me credit until XXXX ; On XXXX my credit union account was debited for {$25000.00}, Synchrony did not give me credit until XXXXXXXX ; On XXXX Synchrony debited my account for {$25000.00}, My credit union did not receive the credit until XXXX ; On XXXX Synchrony debited my account for {$170000.00}, My credit union did not receive the credit until XXXX Essentially, they are not paying me for 2 - 4 days worth of interest on both incoming and outgoing cash flows. I can understand that they may not make funds 'available ' for a day or two due to making sure there are n't NSF or other chargeback/issues. But, the reality of it is in today 's instantaneous electronic banking world they have 'credit ' for my funds at the exact time my institution is 'debited '. They are cheating consumers out of significant days worth of interest. This very LARGE financial institution is charging consumers outrageous interest rates for credit cards, and their very low 1.19 % cost of funds they are paying for deposits to fund those credit card balances, they further decrease by cheating consumers out of a couple days worth of interest. Tell me this - if I had a credit card with them and charged something on it, do they afford the consumer the same benefit of NOT charging interest on that transaction for two days? I 'm pretty sure they do n't. This is the type of consumer harm the CFPB was created to protect consumers from and the reason the Dodd Frank Act was passed, yet consumers continue to be harmed by these large Banks that have very healthy profit margins. The fact is, the difference is about {$27.00} worth of interest ; I and certainly not Synchrony, will ever 'notice ' that amount of money but it is a matter of principal and when you talk about their BILLIONS of savings accounts, two days adds up to A LOT of money for them, spread out over lots of little consumers that probably will never 'notice '. That certainly does n't make it right and they should pay depositors fairly, just like they charge their credit card holders 'fairly '.

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 2017-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
I had a doctor visit with XXXX XXXX at the XXXX XXXX on XXXX XXXX of XXXX. On XXXX XXXX XXXX the XXXX XXXX sent out the bill to be paid. My heath equity company received the bill on XXXX XXXX XXXX. I then process it in my account to be paid and a XXXX card was sent to the same XXXX XXXX that other payments have been mailed to from XXXX XXXX. That XXXX card was sent out on XXXX XXXX XXXX, that payment was never processed by the XXXX XXXX or XXXX XXXX. On XXXX XXXX XXXX my XXXX XXXX company saw that payment had not been processed yet so they issued a check and sent to the same XXXX XXXX XXXX They check was never processed by the XXXX XXXX or XXXX XXXX. The XXXX XXXX issues all bills to AR Services after they have n't been paid. AR Services contacted me via phone and sent me mail that I had an outstanding bill to be paid. I contacted them several times saying this bill had been paid that the XXXX XXXX had been issued a payment and gave them the date of XXXX XXXX XXXX that it had been mailed. They were supposed to be in contact with the XXXX XXXX to confirm they had received payment. To my knowledge this had been taken care of. On XXXX XXXX XXXX I had my credit pulled to be pre-qualified for a home loan. It showed on there that A1 Collections had two different collections on there for {$130.00} not being paid to the XXXX XXXX for that doctor visit. If it were n't for me trying to be pre-qualified I would have not known that I had been sent to collections. I contacted A1 services that same day to ask about this and ended up paying the full amount to settle it. I have attached documentation that XXXX payments were sent from my health equity account for this to be paid back in the beginning of the year.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.

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