vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview Loan Servicing is uncooperative and has no courtesy on a mortgage loan that is under my name, but the house has been under my uncle for over a year now. I notice back in XX/XX/XXXX that there was a late mortgage payment on my credit score, but we've been paying it. I called the collection agency and they said that they need proof of insurance and escrow, that they've been charging for that because we don't have proof. I sent them proof and then they said it had to be under my name. It was under my uncle 's name because the house has been under his name since XX/XX/XXXX. I mentioned to them that the house is no longer under my name. Afer a month of going back and forth and delays on their end. I had to keep on following up and then they said I had to complete assumption forms to change the name over to him. I immediately completed and submitted these in XX/XX/XXXX when they told me to do so and received no response. I kept following up and they said they're still looking into it and that it takes time. Five months later, they're still working on this issue as the debt continues to grow monthly. They are charging us twice for escrow and insurance when it's already paid for on our end separately since XX/XX/XXXX. They will not accept our proof because it's under my uncle 's name, which is his house now. They requested assumption forms to be completed to switch the loan to my uncle, which we completed. However, as of XX/XX/XXXX, they just told us that they will not accept the assumption forms and that we have to pay the $ XXXX to reinstate the loan first and then they can look into the assumption forms after. With their months of delay and misinformation they expect us to pay over $ XXXX to reinstate the loan even though it was their fault for not informing us beforehand that the assumption forms would not be accepted? We are being penalized since XX/XX/XXXX for their delays which is not fair. If the assumption forms were not valid initially, they shouldn't have suggested that. Also, it's unfair we're being penalized for all the months of delay as we were waiting for them to get back to us. It is unfair that we have proof of everything, yet they expect us to pay the XXXX to reinstate the loan when it's their fault for the months of delays and misinformation. We submitted all the proof that they needed, yet they are still penalizing us for their mistake. It has been very difficult trying to resolve our issue when we keep getting transferred to multiple people at Bayview Loan Servicing and each person has something different to say and giving us the run around. No one has helped us resolve our issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
I was selling an furniture through an online service ( XXXX ). A buyer contacted me claiming to be interested in purchasing the item. The buyer then sent payment through cashiers check ( for amount more than the asking price ) and asked me to money transfer the balance amount of {$950.00} through XXXX money transfer to pay for the transport guy which I did. The payment ( cashiers check ) turned out to be a fake, and Im out of money. I was able to cash the cashier 's check or see funds recorded in my account statement after two days of depositing the check but after a week to find out that the check has bounced. Can you please arrange refund of my money of {$950.00} as I was a victim of online scam. Please see attached XXXX receipt for that I paid the buyer. Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: LA

Complaint narrative:
I recently looked into buying a car and was told by the salesman, XXXX XXXX at XXXX XXXX XXXX in XXXX, AL that it would NOT have an effect on my credit score. I had told him that I was trying to buy a house. Prior to the time of the 9+ credit inquiries, my credit score was at a XXXX. Typical cheesy XXXX car salesman, right! He also told me that it wouldn't count as a hard inquiry.

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 2018-08-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently looked into buying a car and was told by the salesman, XXXX XXXX at XXXX XXXX XXXX in XXXX, AL that it would NOT have an effect on my credit score. I had told him that I was trying to buy a house. Prior to the time of the 9+ credit inquiries, my credit score was at a XXXX. Typical cheesy XXXX car salesman, right! He also told me that it wouldn't count as a hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed a fraudulent transaction with Regions Bank. Dispute me filing an affidavit and them closing my card due to fraud they deemed the charges valid without ever contacting the merchant where the fraud occurred. I was charged two ( 2 ) times that I did not authorize after doing business with the merchant months earlier for a completely different amount.

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 2018-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
XX/XX/XXXX I was having financial problems. Came across a comercial on t.v regarding a payday loan ( XXXX XXXX XXXX  ) and applied. Didn't realize how much interest they were charging at the time ( 600 % ), even  with paying the minimun payments for months, I was unable to pay off the loan. 

XX/XX/XXXX we got a call from XXXX XXXX who were supposed to be collecting for XXXX XXXX told us that we needed to settle this debt. After one year of collecting and $ 800plus paid, my wife realized that we never got any written notice or any types of agreement about the debt. They had sent 2 e mails, which both amount did not match. 

XX/XX/XXXX, my wifes card which she was using to pay the monthly payments, was used by an unauthorized user outside the state we live in so we cancelled her card. Ms XXXX ( XXXX XXXX ) who is in charge of collecting the debt was notified that my wifes card was compromised. Ms XXXX then told us that we needed to get a prepaid card to pay the installments. 

Now I'm questioning wether this company is real or not since they want us to pay them with a prepaid card. One, they don't have a website, two, the email they sent does not have the business address, and three no paperworks regarding the debt and agreement were sent to us. 

Within the past couple of months we have been getting multiple calls daily in their attempt to collect. They have said that I've been sued but not received a summon and I also have contacted the county courts ( which I have lived in for the past five years ) and none said that they have any open or pending claims against me. Now they are threatening to garnish my wages, yet again no paperworks, no summons, nothing regarding the debt. And also the {$800.00} plus dollars we paid, XXXX XXXX is forfitting that amount and they want us to pay in full. 

I have other debts that I'm currently paying and those companies even after agreeing on the the phone, all have sent documentations for my copies and for me to sign, which I never received from XXXX XXXX or Ms XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WAFD BANK
State: WA

Complaint narrative:
I tried to opening an checking account and was not able to open the XXXX account at Washington Federal.

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 2018-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am writing in frustration against a company which has placed me for collection, HARRIS & HARRIS , LTD. they have refused to understand the fact that I am a fully insured patient and I have been incorrectly billed for an ambulance ride which is covered under my MEDICAL 100 %. I have fought long and with XXXX XXXX Hospital and this collection agency. I have submitted and resubmitted my insurance to them many many times and still they harass me with unending phone calls, letters and threading letters in red! I am also going to hire a lawyer and sue this company for ignoring my please for them and the Hospital to contact my Medical. I about had a XXXX XXXX and this is how we are treated? I am lucky to be alive and this is 100 % covered and this company is lying tremendously to collect and recollect the same debt hoping I don't find out. I am sure and I suspect that my insurance was billed and thy are just double billing me because they are a disgusting company! 

I am going to sue them and the hospital for damages to my mental health and to my credit report! after submitting my insurance information and disputing their collection they refused to follow FDCPA laws and cease and desist calling and harassing me. They made matter worse by placing collections on my credit reports and dropping my score over 80 pints! I was not able to get a car because of them and I am going to definitely pursue this in the court of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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:
I filed a bankruptcy in XX/XX/2010. I included a mortgage with XXXX XXXX XXXX in that Chapter XXXX bankruptcy. The debt was discharged in XX/XX/2010. 

XXXX XXXX has left this item on my file for 8 years simply as a " charge off ''. I filed a dispute with the three bureaus to have this item updated as " included in bankruptcy '' and the status changed to " unrated '' as provided by federal law. 

XXXX  and XXXX  properly updated the record. But Trans Union simply changed the narrative to " reaffirmed '' ... ( the debt was NOT reaffirmed ) and left the status as a " charge off ''. Now it is possible an inexperienced clerk simply made an error making this " negligent non-compliance '' with federal law. 

XXXX XXXX - Account number 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 2018-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Diversified Consultants for Diversifieds failure to cease reporting on a dept that has been paid. On XX/XX/XXXX, Consumer paid the original creditor in full ( see attached statement ). On XX/XX/XXXX, consumer ( through legal counsel ) disputed the open account with Diversified on her credit reports. 

It has been 30 days since this dispute, and we have received no response, and the account is still being reported on Consumer 's credit report. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged, and continuing to report an account that has been paid by the Consumer negatively impacts her credit score. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My sister XXXX XXXX XXXX, who has Power of Attorney for my Dad XXXX XXXX, tried to close out his checking account at TD Bank on or about XX/XX/2018. Despite submitting all the legal documents that were prepared by a practicing attorney specializing in elder law, TD Bank insisted that my father come in to close out the account. Since my father had been recently diagnosed with a fatal combination of XXXX XXXX and XXXX XXXX XXXX and was confined to a hospital bed, this was impossible. For the next 5 weeks, TD Bank kept making excuses and finding fault with the documentation that was prepared by a lawyer. My sister showed the exact same documentation to XXXX XXXX and they helped close out my father 's account at XXXX XXXX in 30 minutes. Finally, on XX/XX/XXXX, TD Bank agreed to close out my father 's account. My Father XXXX on XX/XX/2018. TD Bank treated my sister XXXX XXXX XXXX horribly. They kept her away from her XXXX father and added stress to an already stressful situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My home is being foreclosed on XX/XX/XXXX in a non judicial state with fraudulent assignments.The assignments were created after the cutoff date of the alleged trust filed with the United State Security Exchanged According to the trust all mortgages and assignments had to have been conveyed prior to the cutoff date of the trust. The assignments are robo signed and fraud can not be the bases for obtaining a deed. I also mailed a QWR and proof of claim to Wells Fargo over 60 days ago. They have not responded to either.

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 2018-08-03 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: CA

Complaint narrative:
The following businesses used my information without my knowledge or approval, and it has shown up on my credit report. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
I Refinanced my Discover Student Loan. My new lender XXXX XXXX   issued five ( 5 ) checks to cover the five ( 5 ) loans. One check was for {$13000.00}. and Discover Student Loans only posted {$10000.00} to my loans. ( difference {$3200.00} ) Discover is unable to tell me where remaining money was posted to. 
They keep telling me the check was {$10000.00} ( which is amount they posted ) However, we have original copy of check and the amount was {XXXX}, XXXX. We have uploaded a copy of this check to Discover to prove the amount of check. 
I have called three ( 3 ) times to get this resolved. I was assured that this was being sent back to be reviewed and would be resolved in 3-5 business days. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
They all assured me that they are sending this back for review and should only take 3-5 business days. Still not resolved. 
Today I received email from them to inform me what the current payment on balance would be. Plus they added interest charges on this {$3200.00}. 
The five ( 5 ) checks that XXXX XXXX issued to them were all cashed by Discover in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
on XX/XX/2018 I called to settle my account for less than the full balance, I wanted my credit report to that I settled for less but no balance was owed as a result. 

I was given a settlement offer of {$73.00}. I paid it, waited ten days. I updated my credit report and my credit report indicates that i still owe {$40.00}. there are no remarks of a settlement being made, on my credit report. it still shows that the account is active. 

in the mail i got a payment letter, that simply indicates they collected {$73.00} with no verbiage of any kind indicating a settlement had been reached. 

I was clearly mislead, into thinking I was getting a " settlement for less than the full balance '' and that i would owe XXXX  as a result of such settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wallet was stolen from my purse at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/2018, filed police report. 

Fraudulent charge made on my Wells Fargo Credit Card of {$1200.00} at XXXX XXXX in XXXX XXXX, CA I received a letter dated XX/XX/2018 informing me that the fraudulent charge of {$1200.00} and that I had reported on XX/XX/218 to Wells Fargo Fraud Department is now my responsibility. 

I wrote a letter to Wells Fargo Credit Card Fraud Department to remove fraudulent transaction since my wallet was stolen.

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 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I opened a barclays credit card a few years ago through XXXX XXXX and my account was closed at my request I think two years ago. Since then Barclayscard will not permit me to pay my bill online. I am required to mail or phone in a payment method. 
I have had issues paying my overall credit debt so I have obtained services from XXXX XXXX XXXX. When they reached out to Barclays I was denied to be put on the program. I had to call BarclaysCard 10 times until they would give me a straight answer and kept trying to get me to use their approved list of credit counseling programs. They also told me my account will need to be at least 3 months behind to get offers and to be on credit counseling -- this is not good!! They want me to go behind and hurt my credit scores. 
The collection department stated I couldn't be on a program because I missed payments. I was asked for the 10th time to enroll in their own program paying $ XXXX/month. 

This is such an unfair business practice to have. They do this on purpose so you miss payments and have to pay extra fees.

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 2018-08-03 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Three weeks ago, I was turned down for credit at local XXXX XXXX XXXX XXXX. The bank that manages Lowes ' credit accounts is Synchrony Bank. I was told they would contact me within seven to ten days. But they have not told me why my application was rejected and it has now been almost four weeks.

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