vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has continued to report an account which I previously held with them as a derogatory account to the various consumer credit reporting companies. I have disputed the status of the account with the Credit Reporting Agencies, as well as directly with XXXX without success. XXXX contends and reports that the account was included in a bankruptcy filing, thus reporting the account as a negative or derogatory mark/tradeline on my consumer credit reports, however this is in fact, untrue. The account that I held with XXXX was in good standing and maintained a zero balance from the date that it was opened until the date it was closed by the creditor. The account was not discharged or even included in the Chapter XXXX Bankruptcy I filed as there was never any debt to discharge. As I have previously disputed this account with the Credit Reporting Agencies, some of them have deemed any further disputes erroneously as frivolous due to XXXX 's insistence that they are accurately reporting, therefore precluding me from any further disputes of that information. The account was closed by XXXX unilaterally and should be reported solely as closed by grantor, without any negative remarks or connotations that cause it to be classified as a derogatory account which can negatively impact my credit score. 

This account is specifically reported on my TransUnion and XXXX  reports. 

XXXX shows it inaccurately as included in Bankruptcy ( negative ) last updated in 2014. Even after a dispute with both the CRA and the creditor, even though they report it as never having a balance.

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 2019-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I had XXXX at XXXX Hospital XX/XX/XXXX and paid {$840.00} The total bill was {$10000.00} and my Insurance XXXX XXXX paid {$9000.00}. That leaves my with {$1000.00}. I paid already {$840.00} on XX/XX/XXXX. All i have left to pay is {$160.00}, confirmed by my Insurance. I tried multiple times to reach the Hospital to get this corrected but no luck. It was given to Capio Partners to Collect the debt of {$1000.00}.

Capio Partners added 2 Major Derogatory 's to my account on XX/XX/2019 and XX/XX/2019. 

I explained them the issue multiple times but they only transfer me to a mailbox and none is calling back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I had filed a complaint ( # XXXX ) with CFPB about spam mail I was repeatedly receiving from TD Bank. 
TD Bank responded by proving a link ( XXXX ) for permanently opting out of all spam mail.

At that time, I did use that link to permanently opt out of such mail. 
Today ( XX/XX/XXXX ), after almost 5 months, I have once again received another spam mail from TD Bank ( I have attached the front and back of the mail I received ). 
So, since I had already opted out in XX/XX/XXXX, why am I still receiving spam mail from TD Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MA

Complaint narrative:
This account was opened as a result of ID Theft. Ive never applied or done business with Discover Financial Services. Ive disputed this account with all 3 major credit bureaus, as well as filed a formal complaint with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
I received an email from this company, claiming to collect a debt for a payday loan. Not knowing what this was about I called them. Right, away, they said they were going to send the police and have me severed and possible jail time if I didnt take care of the debt. I am being scared and not knowing what to do, gave the person my contact, mailing, and email information. Just my own no one elses. 

The person ( XXXX XXXX ) told me that he was going to send me an email that same day right after we got off the phone and a letter to my home address. A few days go by and I did receive the email. I called the number on the letterhead and it was to a construction company, I then tried to locate the company online and contacted the BBB and no one has ever heard of this company. 

I called again but at a different time then the first time calling, and XXXX XXXX answered. I told him I didnt receive the email or the paperwork. He did finally send the email. In giving him my contact information, I had given him my debit card information after looking on the FTC websites and reading about scams I canceled and not knowing this company and not finding out any information about it. I thought it was best to do so. 

I called the original place I got the loan from and they told me that they have never heard of this company and told me they sold it to another company for which they gave me the information too. 

This was not the company ( on letterhead ) that was stated to me. In the interim of canceling the debit card, they had started calling my parents they did not get their phone number from myself. Telling my parents that the police are going to come and arrest me and arrest both of them too. I called them and told them not to call my parents. Both my parents are very ill, my mother is recovering from a double XXXX transplant and my father had a small XXXX XXXX in early XX/XX/2019. 

I told XXXX XXXX again when I called that I still have not received the paperwork that was supposed have been mailed to me. 

I called today XX/XX/2019 and again asked him why do they keep calling my parents and Ive asked you not to that you have my contact information and again that my parents are very ill, those calls are upsetting to both of them. 

I also ask for proof that the company was real because I have no way of knowing this and he got very upset with me in my asking. I don't know who this company is and they are not professional at all. But, most importantly I don't want them to call my parents anymore I'm so afraid that something will happen to them because of their harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I closed cancelled a XXXX XXXX insurance policy for my XXXX phone in XX/XX/XXXX. I was continously billed for the service after the policy had been closed. This non-payment lapse of greater than 90 days was reported to the credit bureaus and my FICO score plummeted. I paid {$95.00} in XX/XX/XXXX to close the account. This included late fees and monthly policy premiums. I would like repayment of the {$95.00} and the credit bureaus notified to the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
I filed chapter XXXX bankruptcy in XXXX a comunity property state last week so called ford motor credit and the manager said the fair market value of my truck is what I owe and not the value of the truck and they dont re aferm at value only what I owe and if I dont re aferm it or pay it off they will go collect it from my wife say community property state does no cover my spouse in a laoan that we are both on and they will comitue to call and go after her to pay the loan even thou its included in my chapter XXXX bankruptcy I am willing to reaferm the debt at fair market value but manager in there bankruptcy dept says they dont do that and there lawyer will contact me to reaferm debt at almost double the value of the truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MT

Complaint narrative:
THIS WAS A EMERGENCY ROOM VISIT AND THE HOSPITAL NEVER SENT TO MY INSURANCE, AND I HAVE NOT LIVED IN XXXX XXXX SINCE XXXX OF 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Hello I received medical services on XX/XX/XXXX2010, which is the day my health insurance at the time was cancelled. I was informed that my insurance would not pay for the services because my health insurance actually expired at XXXX on XX/XX/XXXX/2010.  Unfortunately my company was unable to continue our medical benefits due to the economy. Fast forward to today, the collections agency put this debt on my credit report using a 2015 date, which is false. I filed a dispute online through XXXX and XXXX without resolve. I contacted the medical facility I received services from to verify the date they saw me. The debt is now 8 and a half years old and should be removed from my credit  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I applied to refinance my current mortgage and after lengthy negotiations with the servicing company, they told me to call the original bank which I signed the mortgage with. They are now telling me that after XXXX years of payment I will still be owing {$470000.00}. I don't understand it a nd I want some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
ditech sent me a Notice of Serving Transfer letter dated XX/XX/XXXX19. I received this letter on XX/XX/XXXX19 which is less than 15 days from the transfer effective date ( XX/XX/XXXX2019 ). I've received mortgage Serving Transfer notices from other banks usually 60 days before.transfer effective date. 

Ditech 's delay in sending out this notice gives me very little time to react to the impending transfer to XXXX XXXX XXXX XXXX, VA. For example, I may elect to payoff my mortage or refinance to avoid doing business with the new mortgage servicer. In this case, XXXX XXXX appears to have poor customer rating which concerns me. 

XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AZ

Complaint narrative:
Company named AFNI claims to work on behalf of XXXX and says that I owe over {$700.00} due to an accident that i was never involved in, in a vehicle i never owned, in a city I don't live or have ever visited. They say this so-called accident took place on XX/XX/2018 and I'm not sure how they have my personal information. I have already tried contacting XXXX directly and they are not aware of this company or the claim number that AFNI came up with. This company continues to send me letters of owing and calling my phone. I want it all to stop! I don't know of their legitimacy, but I have no involvement in this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
On XX/XX/18 I initiated an online application to One Main Financial. Which was approved online without any collateral. With an XXXX credit score. For and amount of XXXX. Keep getting an esign error. Got a call from the office in XXXX. To come in to sign the paperwork. Once at the office they see I have a vehicle that's almost paid off from my credit report, now the only way they can close the loan is to use the truck as collateral. Which was almost paid off and at a lower interest rate. This is a classic Bait and Switch and Predatory Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My monthly payments went up way above what I can afford and Im not sure why. My monthly payments use to be {$1500.00} and now the total monthly cost is {$2100.00}. I contacted the company ( select portfolio services ) and they werent concerned about my hardship to pay. Ive never missed a payment and never had a problem when my mortgage company use to be XXXX. Four years ago my mortgage company XXXX automatically changed to Select Portfoloio Services and now everything is confusing. 

Please help to see if this was an error on the companies part and if I can restructure my current contract to something that would be more Fair and reasonable. I dont want to lose my home. 

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
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DEBT CREDIT SERVICES
State: PA

Complaint narrative:
Called all day to and everyday had called after XXXX its debt collector or car warranty to buy or fake irs everytime I answer its something different

Company response to consumer: Untimely response
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
We received a pre approval letter with Ameris Bank in XX/XX/XXXX for a loan amount of XXXX to build a single family home and a pool on a lot in XXXX XXXX that we own outright. Our loan rep stated that the next step we needed to take was to obtain a signed builders contract and a signed pool contract which was needed to move forward. We did that and in order to obtain a builders contract, the builder wanted a 10 % downpayment which we gave. We waited for weeks for our loan rep to schedule a closing and in the meantime the builder began lot clearing and pouring of the home slab using the funds from our down payment. After submitting all types of documents that our loan rep requested we were then told out of the blue they made an oversight and missed something and could not fund our loan. We were then told in XXXX to wait until XX/XX/XXXX and they would have a program for us to be able to obtain a loan. In XXXX I reached back out and got several run arounds and was told due to our credit decrease they could not help us. The reason for the credit decrease was due to several credit pulls by Ameris that should have never happened and I explained that to my loan rep which she wanted proof which I provided all the inquires and after more run arounds was told they cant fund our loan. Ameris Bank openly admitted to making a oversight causing us to not get the loan and then requesting a signed builders contract knowing we would have to put money down to know they wouldnt fund us is very unprofessional. Now I have legal issues with the home builder and pool builder as we have signed contracts with them not to mention we now have to build our credit back up due to all the inquiries dinging our credit reports. Our loan rep stated in the first conversation that this loan request is a no brainer and would entertain this most certainly seeing we own the lot outright and will have instant equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA Compass has gone above and beyond to ensure that they have caused fraud in every single way possible. First of all their bank opened two checking accounts in my name which I did not approve nor accept, Secondly after these were opened they opened 3 Fraudulent credit cards. I then get a call which I didn't answer, I go up to their branch to see what this is about and they rudely tell me Enterprise " Fraud Management '' XXXX to be specific has decided to end " My Banking Relationship '' This is after I chose not to provide them with my identification, nor with my SS Card like they asked AFTER THEY APPROVED THE FRAUDULENT CARD. Not only were their fraudulent charges on the fraudulent cards. I finally asked someone about these cards they told me there was a block and they couldn't issue me any cards nor tell me much about them until I sent my identification in. Well of Course CARD Fraud Department was super rude, the lady told me I needed to send this in order they would be blocked, She wouldn't send me a letter requesting what information they wanted of course. Instead she sent a threatening letter explaining they viewed a credit report, Which again wasn't listed that they determined to closed the blocked fraudulent cards. Now to me, another thing I found out is they are letting a XXXX  which I have never been associated with FRAUDULENTLY CHARGE THE FRAUDULENT Checking accounts and attempting to say I owe it. I do not own those accounts, and I do not owe the accounts. I will not be paying their credit cards because I did not authorize them. I was this bank investigated for their practices and the way they fraudulent charge customers, the way they allow fraud to continue and instead of assisting the customer forcibly don't assist the customer. They attempt to blame the customer and are very very very rude customer service. I have never experienced that rude of service in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
issue : Capital 1 place 3 late payments on my credit report. We were never notified. We had not used the card and had no balance.

They stated there was a {$29.00} yearly fee but we never received any billing of this. We have been in our house at that time over 1 year and had received others, but this bill. They waived the {$29.00} but kept the late payment on there and closed the card. 


AC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I opened a account up with this company back in XXXX. I attempted to use the card the same day and had Promblem 's. So i called this company and they told me that they are no longer able to assist me and they closed my account and told me that i should get a refund within 2 weeks. Well 2 weeks came and i didn't get a check. I called them again and they told me it was sent. Well 2 more weeks came, I still haven't got anything. I was calling from XXXX to XXXX. finally XXXX came and i filed a complaint with XXXX and someone from customer support stated they would give me a call and he did and he told me he would resolve this issue. So i waited and i still haven't received anything. So i said enough is enough i will file a law suit when i get funds. I been kicked out my home due to them not sending my money that i was suppose to pay my rent with. My kids and i was homeless and i take that as discrimination and hardship and everything else. I'm not gone give up until i get my money back. this issue needs to be resolved and they need to be stopped. They are a complete scam!

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 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech is a new name for the company known as Green Tree. Our mortgage on our home was nearly paid off at the time Green Treen took it over. My bank continued making monthly payments to Green Tree electronically depositing into Green Trees account with XXXX  XXXX XXXX. However Green Tree neglected posting any of our payments to our mortgage account.. We had requested they correct our acct and post our payments several times, at which they pretended at the time, not to have received any of them. Green Tree refused to give us or our banks any information on the payoff amount & tried to foreclose on our home instead. We were able to pay the entire mortgage amount again before they could foreclose. My bank " XXXX '' went through the procedure of tracing down 0ver 20 payments that were found to be deposited into Green Tree 's ( Ditech 's ) bank account with my mortgage account number on them. Ditech refuses to reimburse us the {$19000.00} they state they lost. They claim they need to find where they allocated our funds before they are able to reimburse us. I call them every 6-8mos. requesting they return our money, however they claim they are still unable to send us a check until they can correct all their errors. I have all receipts & letters from the bank showing all payments were made on time every month. I also have the payoff receipt showing they were paid a second time for the same mortgage, if needed I can send. Over 100 pages of documentation is available. I called XXXX bureau 2 years ago and told it was being investigated & had assumed it was corrected. I recently found out Ditech has since submitted another negative report to the credit bureaus under the pretense they never received payments and I still haven't received my duplicate payments reimbursement.

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