vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was with XXXX for two years and never had an issue. XXXX is saying that I owe them money because someone whom I NEVER authorized was on my car insurance. Keep in mind I was still making my monthly AUTO DRAFT payments. I asked them for the recording of me adding someone to my insurance and they could not provide it. I spoke to XXXX XXXX representative and she assured me that this mistake would be corrected and never happen again. She said he fixed everything in the system. When I cancelled the insurance for their exploitation I got an email stating that I would be REFUNDED money. I never received my refund and I am still being billed for money I do not owe them. This collection was removed from my XXXX credit report the beginning of this year, now they added it to my XXXX and XXXX report. How could I owe money and my funds were taken directly from my bank account based on what they billed me for the month. I was also not able to retrieve my bill and payments from their website after I severed ties with them for some reason, but thank goodness for bank statements!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: CA

Complaint narrative:
I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by KEY BANK NATIONAL ASSOCIATION as " REJECT & RETURN '' and by Order of the Court ; the property was returned to KEY BANK and subsequently sold. 
XXXX reflects KEY BANK as a " Derogatory '' and as " Negative Account, Closed Account '' however it continues to report the status as " Included in Bankruptcy ''. Much of the " Details '' information is incorrect. It reports the Type of Loan as " Unsecured '' ; it was a real property mortgage secured by a Deed of Trust, the Date of First Delinquency as XXXX ( while I was in bankruptcy ), and I filed a Ch. XXXX bankruptcy not a Ch. XXXX. 
XXXX reflects KEY BANK as " Derogatory '' and as " Potentially Negative Closed ''. It reports " Payment Status Included in Bankruptcy '' and inaccurately reports under " Comments Bankruptcy Chapter XXXX ''. 
XXXX reflects KEY BANK as " Derogatory '' and as a " Negative Closed Account ''. It incorrectly reports the loan type as " Unsecured loan and Opened XXXX/XXXX/XXXX '' and shows negative payment histories for the months XXXX, XXXX and XXXX XXXX. 
I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX KEY BANK addresses, the address listed with the Bankruptcy Court and the address listed by XXXX, XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: KEYCORP
State: FL

Complaint narrative:
Key Bank is holding me liable for a fraudulent account in which they have the XXXX fraudulent account documented three times on my credit reports. XXXX XXXX is extremely unprofessional and nasty, please forward to another party in the corporate office. It is unpleasant to be victimized continuously by her. I contacted legal representation and after they viewed documents and the signatures, they informed to file one last complaint with CFPB and attach the signatures. I attached the signature that Key Bank provided you on their application and I attached my signature from one of my home mortgages. You can clearly see that signatures are clearly different. Again before proceeding legally, I am asking Key Bank to remove the fraudulent account in which they are holding me falsely liable. Also, I have attached where Key Bank is fraudulently reporting the same XXXX account three times on my credit reports, which is fraudulent credit reporting. I have addressed this with them, XXXX XXXX and others nothing has been done as you can see, I attached a copy of my XXXX credit report in which I have continuously submitted to Key Bank and they have yet to remove from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have a XXXX medical card that was suppose to pay off any medical bills past or present in full and I have numerous bill from hospitals

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XXXX XXXX, I ordered a XXXX-bureau credit report online for {$1.00} from CreditCheckTotal.com ; as a part of the ordering process I provided my personal information and payment details to process {$1.00}. There was an offer for monthly services which would cost $ XXXX/month, I did not select this serivce. On XXXX XXXX, my account was debited by Experian for {$29.00}. I called to inquire and was directed to Credit Check Total requesting that my account be refunded for the {$29.00} as I did NOT authorize any deductions nor did I agree to any memberships. I spoke with XXXX associates and XXXX supervisors and was told that they would cancel my 'membership ' but they would not be able to refund my money. Even after expressing my frustration and my concern regarding their tactics, which I feel are manipulative and evasive ; no one would honor my request to have my money refunded. I also sent an email to the customer relations departments for both Credit Check Total and Experian. Credit Check Total 's response was that they could not refund the money that was taken but that my account was now closed. 
This company does not care that a consumer feels misled by their advertisment, all they care about is collecting {$29.00} from as many people as they caan. I am very upset over this and from now reading reviews from other victims, it is clear that this company is strong-arming consumers and taking our money. Credit Check Total is a poor representation and their only goal is to profit from comsumers using manipulative tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Will not reinvestigate XXXX. The XXXX is wrong and it should 've fell off my report already. Did not investigate XXXX XXXX fully. And I did not authorize that dealership to run my credit at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello. I need some help with Well Fargo.I have struggled for several yrs Ask Well Fargo for help and sure helped me throwing more on my back.They went up 10 yrs on my mortgage up on my interest rate. I begged for a lower rate and that lower rate would have keep my yrs down .they went up 10 yrs and payment dropped XXXX .what a great american co ..to do us citizen like that.i have never had trouble for 48 yrs and had great credit and then bottom fell out in XX/XX/XXXX - XX/XX/XXXX. I ask if i give up my home you would lose XXXX dollars because of falling value home.I think the way they acted that losing money was ok instead of helping me.Why they can say they are trying to help people. Thats not so true they said all they could do is go up on yrs and interest.They said that if you fail XXXX you can not qaulify for a good rate THAT IS NOT AMERICAN IT IS GREED! HELP ME PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Business Bureau
State: OK

Complaint narrative:
Medical Business has reported to XXXX that I owe a {$570.00} to XXXX XXXX XXXX of XXXX. This is not my bill and I want this taken off my XXXX credit report. I have tried to contact XXXX and all you can get is lost in there telephone go here go there system. This is not the first time this has happened and it has been there mistake each time and it takes hours of work and providing proof that this is not me. These companies need to be held accountable for there mistakes they make instead of making live XXXX on everyone else. I found this when I pulled my credit report. No one has contacted me on this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
Continuous robo calls using different phone numbers with the same or similar message : '' This call is solely intended for XXXX XXXX. If you are not XXXX XXXX, please hang up now and disregard this message. File number XXXX, ( or a variety of other numbers ), which was placed with Halsted or XXXX Financial Services has been escalated to our final review department due to the lack of response from the required respondent. A full review of this file is being conducted by one of our loss litigation specialist and a recommendation of action to our client is imminent. In order for your personal statement to be included in this review press XXXX ( or XXXX ) now to speak to the representative responsible for conducting the review, or call us at XXXX ( or XXXX, XXXX and other phone numbers ), immediately upon receipt of this message. Failure to respond will result in a recommendation being submitted to our client without your personal statement being submitted. " These calls come from a variety of phone numbers with area codes from mostly XXXX, and XXXX. 
I am not XXXX XXXX, and have never heard of Halstead Financial Services. These calls seem to come in " batches ''. I receive these calls several times a day from different numbers, for several days a week and then wo n't receive a call for maybe a week, then it the cycle starts again. I have deleted many of the calls or messages, but what I did save goes back to XX/XX/XXXX. 
These calls are mostly to my cell phone, but a few have been to my home phone also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had XXXX mortgage which XXXX XXXX XXXX took over. SLS then took XXXX XXXX XXXX. From the day they got control. They have been adding extra fees to my bill. I have talked to them and they would never give me the proper answer. and the finally they started to show that they were late fees and that I was not paying my bill on time. When they called me they were always rude and did n't want to listen to me. Please ask to stop unacceptably calling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
In contacting bank on check card service which overdraft fees were charged ; we never opted in for overdraft protection. they constantly said it does not apply to you but would never show me the rule and it is not in the rule book for business accounts. 
The XXXX deposit on the XXXX of XXXX XXXX was cash ; but they called it a check and waited a whole day to show credit on XXXX/XXXX/XXXX. if credit was shown on XXXX of XXXX none of this would of happened also all these debits for the XXXX was on monday. some of those debits incurred on the XXXX & XXXX on the weekend when were they processed sunday night? when the bank says they wouldnt process anything until monday night again they were check card purchases ; they authorized it because the money was there and we did not opt in for overdraft protection. The XXXX deposit showing cash deposit is conveniently unreadable. 
On wed XXXX of XXXX purchase of {$230.00} check card purchase was authorized and a deposit for {$160.00} they did not deduct the {$230.00} from the account that day or the next day they deducted the XXXX deposit that was made showing the account had nothing pending the next day as the record show ; on the XXXX here comes XXXX ; again monday ; when the XXXX came nothing was pending creating a false available balance. Also XXXX XXXX transactions made on XXXX XXXX at XXXX and XXXX they posted on the XXXX monday these were not processed. we should not be charged overdraft fee on check card purchases like they say we opted out. 
XXXX & XXXX and XXXX overdraft fees on statement does not say what these fees are for but its check card purchases which they are hiding. 
overdraft fee XXXX overdraft item fee also. 
check number XXXX came in XXXX/XXXX/XXXX friday it was n't taken out of account or even posted until XXXX/XXXX/XXXX. 
In XXXX overdraft charges on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX overdraft items still not saying what it is for. 
went into bank in XXXX XXXX for XXXX unauthorized filled out forms for XXXX ea never received credit. 
After complaining to bank they would not let me online again. 
Went into bank they denied everything and they seen the XXXX deposit they deducted and did nothing about it acted stupid blamed wife shopping too much she isnt even on account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
I co-signed an automobile lease for a new XXXX XXXX with my adult daughter in XX/XX/XXXX. The lease was with Southeast Toyota Finance aka World Omni Financial Corp. My daughter drove the car and made the $ XXXX monthly lease payments on time. She was involved in an accident in XX/XX/XXXX and the car was deemed a total loss. She continued to make her lease payments as directed. In XX/XX/XXXX, our automobile insurance company, XXXX, paid {$13000.00} to World Omni Financial Corp. World Omni claims that on XX/XX/XXXX it mailed one {$800.00} final payment invoice ( which they say was the difference between the XXXX payment and the actual value of the car ) to my daughter 's address and posted a copy to my address. World Omni Financial says the due date was XX/XX/XXXX, less than 30 days later. Neither my daughter nor I received that bill in the mail from World Omni Financial and they did not attempt to contact us about any past due amount using the multiple email addresses and phone numbers they company has on file for each of us. Instead, without a second notice or attempt to communicate, World Omni Financial listed the debt as a " charge off '' and reported the account as delinquent to the XXXX credit bureau. I learned about the matter when my credit protection service alerted me to the delinquent account report, a first ever on my more than 40 year credit history. Though World Omni Financial had already written off the debt by the time I contacted them, I subsequently paid it off through a third-party vendor they use -- XXXX XXXX ( confirmation # XXXX ). Had World Omni Financial called or otherwise attempted to contact me before all of this, I would have paid them what was owed. I always do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Received a letter from Transworld Systems which claimed I was delinquent in paying the XXXX XXXX of XXXX. As I had never received a bill from the XXXX XXXX and was not aware that I owed money for any goods or services I contacted XXXX who said that no bills had ever been sent to me and that Transworld was contracted to help their billing office send bills on open accounts. XXXX XXXX verified that my account was not delinquent as I had never been asked to make payment. In spite of this, Transworld claimed I was delinquent on my account which was untrue. Further, Transworld employee, XXXX XXXX, was rude and refused to answer my questions concerning Transworld 's relationship with XXXX XXXX and refused to acknowledge that there was not a delinquent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am extremely frustrated and annoyed with the way Citi Bank has been handling my case! This year has been extremely difficult and I am doing my best to actively get my settlement option under review! Prior to a settlement option I was looking to get reviewed for a modification and it was going nowhere. I am in the middle of child custody battle and child support battle. I have been hospitalized several times for my XXXX and even with lack of hours at work, no income and struggles, I continue to strive forward. I want to get back on track and I understand it 's one battle at a time. What I am getting irritated with is the fact that Citi Bank continues to purposely prolong this process. For two months I have been told my file has been send to escalations or another department for further review and no new updates. I have submitted the new documentation that was requested through my third party and they also continue to tell them the same update. NOTHING HAS BEEN DONE! I need an answer and some alleviation that at least this is taken care of. My third party authorization form was signed and submitted to Citi back in XX/XX/2016. And yet every time XXXX calls to get updates or request for further assistance they are being block! This issue was taken care of twice before and yet there 's no authorization on file. Citi was asked to which fax number and what location to send the adequate third party authorization and we did what we were told. This is another example of the negligence and lack of urgency from their end to come up with a solution. I want my file to get updated and IN ACTIVE REVIEW and for Citi to stop giving my third party a difficult time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
This is the third complaint on the same company that I have made to you. Ocwen Loan Servicing is as crooked as they come. First, after forced insurance on what is now a condemned property, my interest fee magically jumped from the XXXX range in XX/XX/XXXX to over XXXX in XX/XX/XXXX, statements a mess with " hidden '' charges the total figure does not match my interest rate, and modification requests constantly denied. In XX/XX/XXXX my property suffered a catastrophic insurance claim, and it has been an uphill fight to get those funds from Ocwen to repair the property the claim was over XXXX and they are still sitting on XXXX and will not release it now 2 years later after repeatedly providing them what they needed .... Now the City is going to tear down the property because I do not have funds to adequately repair it. So not living in this place for over two years because of the funds tied up, and a contractor mis-appropriating XXXX of it. I now stopped paying the mortgage because Ocwen keeps playing stupid on the financial status of everything, and the remaining insurance funding they are sitting on. Six different instance I was told there is n't any money in escrow for the repairs. Over nine times I was told they have no records of repair inspections completed on the property and therefore are sitting on money but they would n't say how much. Twelve times I was told they would have answers on my account which is what they called red flagged within 7-14 days ... .three months later nothing. There are hundreds of complaints online similar to mine about Ocwen and these corrupt practices, preying on distressed homeowners. I single-handedly was raising my daughter here, fought tooth an nail for the place with Litton Loan Servicing previously preying on us, only to be transferred to the vultures at Ocwen Loan Servicing. They are hiding funding, and playing stupid about everything going on with my account. I can not get an accurate statement in writing on anything. They are making out like bandits on this.

Company response to consumer: Closed
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I have a discharged chap XXXX, and since that Ocwen Mortgage stopped reporting my payments, so now appears that I have no home loan, and no pay history, and my balance is not correct, they seem to not want to fix this, all I get is we will investigate well XXXX will be a year, it does n't take that long to investigate. All last year I made XXXX payments to them, my payment is only XXXX. This year so far making XXXX payments to try to pay them off quickly as possible. I need my credit report to reflect payments, and current bal, and that I am still paying them.

Company response to consumer: Closed with explanation