vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX, which dropped my score significantly. 

I received no phone calls or contact from them from the time they brought the debt ( XX/XX/XXXX ) until XX/XX/XXXX. In XX/XX/XXXX, I received a letter from them via US Mail forwarded from a previous address. I got the letter and called them immediately to resolve the issue. The person I spoke to told me if I payed the debt, nothing would be put on my credit report and I would receive a letter of deletion. We agreed that I would pay the debt in XX/XX/XXXX. I made the payment XX/XX/XXXX and assumed I would get a letter in the mail. 

After the payment was made, I never received the letter. I assumed it was just over sight because I resolved the matter quickly and nothing was reported to the credit bureau. 

I didn't check to see if the debt was mine. I got scared and paid it. Due to this, I did not have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. 

I moved several times from the time of service until I received notification in XX/XX/XXXX. I did not receive a bill from the medical facility because I had dual insurance and thought everything was covered. 

XXXX  is not denying the debt was paid or the fact that I contacted them to resolve the issue and I would like this collection removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: WI

Complaint narrative:
No credit card billing statement received XX/XX/XXXX.-XX/XX/XXXX. First notice of debt was from a collections ( XXXX XXXX ) XX/XX/XXXX. Multiple calls to XXXX XXXX and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received ( XX/XX/XXXX to XX/XX/XXXX ). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XX/XX/XXXX despite not having received a billing statement. XXXX XX/XX/XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XX/XX/XXXX is the same exact address used by XXXX XXXX  for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX XXXX XXXX collections notification. 
Multiple Calls to XXXX XXXX  failing to resolve issue. Collections company switched to XXXX XXXX XXXX XX/XX/XXXX, second dispute initiated. XXXX XXXX wants late fees and interest which I find inappropriate due to lack of notification. 

see enclosures ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed

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 2018-02-19 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: AMA Advisors, LLC.
State: CA

Complaint narrative:
Homebridge financial in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case Homebridge Financial. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca 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 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I am writing to you today because I am in danger of losing my home, and I dont feel that my loan servicer, Specialized Loan Servicing ( SLS ), is ethically evaluating my applications for mortgage assistance. I have had multiple hardships the past few years, but I am now in a better financial position and can afford a reasonable mortgage payment. 

When my application was denied, we called SLS asking for details ; we were told to file an appeal to get these answers, so thats what we did ( a copy of that appeal is attached ). Our appeal was denied and we were given incomplete answers at best ( their denial letter is also attached ). Their rationale for the incomplete answers was basically that the new modified payment they are trying to derive must at least equal if not be less than my current monthly payment, and since my current interest rate from a previous HAMP modification is 2 % and they can not go lower than that, they can not derive a lower payment. 

However, my current interest rate is not 2 %. That modification from XXXX was a step-rate modification in which my interest rate was 2 % for only the first five years and increased every year after that until it capped out in XX/XX/XXXXat 4.375 %. Since my most recent default occurred when the interest rate was still 2 %, SLS system shows that as my interest rate and obviously nobody at SLS is doing any research to realize that I am being charged 4.375 % interest when they calculate my arrears every month. I feel it is at least unethical and incompetent, if not FRAUDULENT, to deny my application using an interest rate at 2 % but then charge my account at 4.375 %. 

After the denial of my appeal, we called to question this tactic. We spoke to a supervisor in their Loss Mitigation Department named XXXX who assured us that she would research this and call back.she never called back, and when we tried to chase her down our call eventually got escalated to another department ( Management ),  who assured that they would call back in 24-48 hours. Of course, that also did not happen. Finally we spoke at length with SLS Executive Services Department. We eventually were transferred to a supervisor named XXXX ( # XXXX ). She did not make any effort to answer our questions, but instead insisted that right or wrong the decision would not be changed and advised that we should focus on liquidation options instead of trying to save our home. 

So, in summary, I believe SLS improperly and fraudulently evaluated my application for mortgage assistance and then through horrific customer service refused to answer questions as to how they came to the conclusions that they put in their denial letter.

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 2018-02-19 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: CA

Complaint narrative:
XXXX XXXX  in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case XXXX XXXX. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca 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 2018-02-19 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: FL

Complaint narrative:
I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX/XXXX ... .National Credit Cards/Airlines 4.XXXX XXXX .... 
inquiry date : XXXX inquiry date : XXXX 2.XXXX/XXXX .... 5. XXXX XXXX .... 
inquiry date : XX/XX/XXXX inquiry date : XXXX 3.XXXX .... 6.  XXXX XXXX ... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/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 non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have accounts at Coinbase, XXXX and XXXX. 
I have only transferred my bitcoin from Coinbase to XXXX and then to my XXXX  account so I could purchase other coins No other exchanges. 

I have never converted XXXX back to $ yet. 

On XX/XX/XXXX, as stated beow, my XXXX bitcoin never made it to my XXXX account. 
I have contacted XXXX and they have done nothing yet and its been almost 2 months. 
Please assist me. Thank you. 

The one below for XXXX XXXX never made it to XXXX. 

This is from XXXX HISTORY transfer XXXX XXXX - XX/XX/XXXX XXXX XXXX this one never made it XXXX Transfer ID : XXXX This is my XXXX account showing I received the XXXX Bitcoin, but not the XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Immediate Credit Recovery
State: NV

Complaint narrative:
I had gotten a letter from the collection agency to contact them by a certain date, I have tried repeatedly to contact them and no one answers or calls back. Now they are offsetting my wife 's share of the taxes and she isn't responsible for my student loan, I didn't even know her back then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
XXXX XXXX, 2017 XXXX XXXX XXXX {$XXXX}. I had insurance that I gave to this department that was never filed by them. I do not feel that I should be held responsible for an error they made. 

XX/XX/2017 XXXX XXXX XXXX, {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed. 

XX/XX/2017 XXXX XXXX XXXX {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
A fraudulent transaction was made on XX/XX/XXXX with a posting date of XX/XX/XXXX, XXXX to XXXX. I spoke with a rep with XXXX, a XXXX, he said order was shipped to a XXXX XXXX in XXXX, TX. This information was provided to bank rep whom took the fraud report, reported card as lost/stolen. This transaction is typical of fraud as item was shipped to different address than billing. I believe I have a new account number but have not received a new card as of yet, this happened previously, a new card was not sent out after reported lost. I had to make additional calls in before new card was sent out. The transaction needs to be disputed 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 2018-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loans went into repayment in 2013. I was contacted by Navient in XXXX of that year and advised that my loan was due. At the time I was in graduate school and was informed by the representative thats my in school deferement had ran out. After further investigation I learned that Navient had my loan in a in school deferment when I was not in school as well as I was going thru a bankruptcys. I noticed them of the error and was told nothing could be done. I called and request help with making my monthly payment and was advise the only thing I could do was pay interest but there were no other options

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX our CD matured and we were not notified and the bank automatically renewed it at a lower rate ( .25 % ). When I called the bank 3 weeks later I was told there was nothing they could do about it, even though I told them I never received a renewal notice. I was told I could close the account but I would be charged a {$60.00} penalty fee for closing the account early, so we left it alone. On XX/XX/XXXX we get a letter from the bank telling us that we may not have gotten the renewal notice on our CD and they apologize for the confusion and want to give us the opportunity to either : 1 ) Change your CD term without penalty 2 ) Close your CD without penalty 3 ) Continue with your existing CD term - no action is required. They gave us till XX/XX/XXXX to make a choice. I went to the local branch and asked them to give us the interest rate that we should have gotten back on XX/XX/XXXX and they said they could only do what was in the letter we got, so I closed the account and put the money in a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau It is with great sadness that I write your company. We were the original owner of this property until an investor by the name of XXXX XXXX purchased this property with the intent that we would at some point, be able to reclaim the property. However, XXXX XXXX allowed the house to go to foreclosure. He suggested that we stay in communication with the bank to maintain residency here. We did as instructed. The bank requested that we send them a copy of the lease agreement with XXXX XXXX and a list of all persons living in the house. We did as instructed, and they responded that we had a bonafide lease. In XXXX of XXXX they requested the same again. We supplied all documents again, also to include every cashed check to date. The bank, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX was the financial intuition that was in ownership of the property, with the company is XXXX, as XXXX XXXX with our checks being sent to XXXX XXXX. The bank has recently sold the house to an investor, in XX/XX/XXXX and yet still receiving our checks for rent and cashing them. However, no one ever sent our family notification of intent to sell. With that being said, the investor has asked us to move without proper/sufficient notice. We are currently in need of your help. First, to assist in what our rights are as tenants and Second, to gain the ability to reside here for at least until the school year has officially been deemed over. Which concludes in XX/XX/XXXX. I have attached a copy of the letters and emails sent from the attorney of the investors, that currently own the house and as well a copy of our lease agreement with XXXX and XXXX XXXX. I will as well attach any cashed checks from the past year to show the intent was to remain here, with the consent of the aforementioned bank. This move in such short notice will cause a massive shortfall for our family. We have XXXX children under XXXX that their welfare is our top priority.

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 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard, LLP

Complaint narrative:
was contacted by Nelson & Kennard Attorneys at law. XXXX XXXX XXXX, XXXX CA, XXXX attempting to collect from me {$2800.00}. That debt is not mine, neither the address where this letter was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchase a XXXX XXXX XXXX Wells Fargo put insurance through their back with out my authorization and they are calling me that I am delinquent on my car and is goin to get reposed I have made every payment on time since I got the car

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 2018-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
There are several transactions which I have placed in dispute with Capital One 360, two purchases from XXXX on or around XX/XX/XXXX, XXXX and XXXX, these are items not received. An item in the amount of XXXX on XX/XX/XXXX is a fraudulent purchase made on XXXX, XXXX is the merchant. This account was closed, however, I was able to place the items in dispute via website today, XX/XX/XXXX. I do not know whether or not Capital One will assist with these charges or not due to account status. I attempted to resolve said transactions with respective merchants, however, XXXX has been uncooperative. XXXX has not replied to messages left via XXXX. These items are about two months old, I've been messaging the merchants on and off since late XXXX with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
On XX/XX/ their records indicate a payment of {$62.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. In addition, on XX/XX/ their records indicate a payment of {$300.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. The amount due on a monthly basis is {$300.00}. The {$62.00} payment amount should be refunded to my escrow account as an erroneous payment on their behalf. 

Please apply the over payment of {$62.00} to my escrow account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Disputed credit card original purchase in a timely manor. Original purchase date on or about XX/XX/XXXX, in the amount of {$62.00}, merchant XXXX XXXX. Capital One did a transaction re billing of the {$62.00} on or about XX/XX/XXXX without any prior knowledge on my part. I am providing substantial proof of an attached tracking page from XXXX, the pages show two different tracking numbers of items returned to the merchant. The merchandise was returned to the Dock and signed by XXXX on XX/XX/XXXX at XXXX XXXX. ( corporate office location of this merchant/warehouse is XXXX, IA-as the attached tracking information shows ). As in any normal business practice, credit was supposed to be issued to the : Original Payment Method. No mention or instructions were made by the customer to issue any other types of merchandise credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc.
State: WY

Complaint narrative:
XXXX XXXX has the most incompetent customer service I have ever experienced with a financial services institution. I have made in excess of 15 phone calls, sent 3 emails, and used their live chat twice over the course of two weeks trying to get a straightforward answer regarding the process to get an insurance claim check to which they are a co-payee endorsed and returned to me. I have yet to receive any useful response. I am ashamed to be a customer of theirs and will quickly be looking to refinance away from them. They clearly employ unqualified and untrained customer service people in this department that are incapable of performing basic servicing requests.

Company response to consumer: Closed with explanation