vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
This again is another problem with TCF Banking on my checking account- I have recently submitted practically- same problem and issues few month ago ). 
Being charged Overdraft fees on XX/XX/2018 {$37.00} for XXXX XXXX when online banking shows nothing negative see pg 3of16 printout with Running Balance yet I am being charged overdraft fee, And Again on XX/XX/2018 Twice overdraft fee $ XXXX I made purchases in XXXX  and checked balance ( my log in tells when electronically permanent record - I did a transfer into my checking account on XX/XX/2018 from my computer which credit my account $ XXXX TCF states that " Before XXXX to credit/adjust account is the " Cut off time '' ... this did Not happen. I printed my banking info from a library The print out shows my Account username on bottom of page! '' This is Private/Confidential Information '' and a persons Username " Should Never be Printed ''! This is Careless/wreck less- exposure of my Private information that's not being securely contained. I made a Cash deposit on XX/XX/2018 the receipt shows XXXX I asked Teller why does this show XX/XX/2018 when today is XX/XX/2018? her response is that's when it will credit your account- So why is it that when a Cash deposit doesn't get immediate credit and why when I deposit into account receipt does not show " TIME DATE Current- Stamp? Wrongfully stating account transactions-Different dates varies when transactions Actually Occurred-Fraudulently charging overdrafts to Purposely Causing '' a Dominos Affect on banking account adding more fees- what is online showing account activities is not Corresponding with what TCF " so called states '' TCF should be paying me Harm and Distress of exploding my Private confidential information not securing and to show me verify the Times that Transactions Transpire BETTER REGULATIONS and PREVENTIONS ARE GREATLY NEEDED HERE.TCF IS CHARGING OVER DRAFT FEES WHEN : TRANSACTIONS SHOW RUNNING BALANCE NOT NEGATIVE BALANCE AND THEN CHARGING OVERDRAFT FEES BEFORE CUT OFF TIME MAKING ANY OTHER TRANSACTION BE NEGATIVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: CA

Complaint narrative:
The company is D & A Services LLC. They're a debt collector. They called repeatedly and would leave voicemails. I called them and told them not to call me about this debt anymore, but they continued to call. I just received another call at XXXX. today, XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had {$860.00} left on XXXX XXXX Credit card when it went to collections. I made a payment on XX/XX/18 and XX/XX/18 both for {$430.00}. I was told that if I made these payments this credit would show as paid & full and would be removed from my credit report. 
This is still showing as a negative on my credit report with a balance. 
I have attached a form below from the company stating the account has been paid in full and the promises of removal. 
Please advise.

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 2018-07-17 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 — Their investigation did not fix an error on your report
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
I had {$860.00} left on XXXX XXXX Credit card when it went to collections. I made a payment on XX/XX/18 and XX/XX/18 both for {$430.00}. I was told that if I made these payments this credit would show as paid & full and would be removed from my credit report. 
This is still showing as a negative on my credit report with a balance. 
I have attached a form below from the company stating the account has been paid in full and the promises of removal. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I Originally disputed a bankruptcy appearing on my credit report with all 3 credit reporting agencies XXXX, XXXX  and Transunion back on XX/XX/XXXX. Obviously, this was filed under someone with the same name and appeared on my report but was an error.

XXXX deleted the file but it still remained on my XXXX   and TransUnion credit files.

Everytime I've disputed the results returned verified. I've recently requested validation of public record from furnisher of information regarding bankruptcy on XX/XX/XXXX. The furnisher is theXX/XX/XXXX District Federal Court,XX/XX/XXXX Division notXX/XX/XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify.

I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.

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 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I signed up for autopay on my Cabela 's Club credit card in XX/XX/2017. They have taken a payment every month since then, but have not credited my account for those payments. They then sold my account to a collection agency, again without applying the payments they withdrew from my account. I called them to ask what was going on after I started getting calls from the collection agency and after my credit had been further damaged by the appearance of non-payment. I supplied copies of bank statements proving all the payments and they credited me with one of the twelve. They have once again debited my bank account today, and apparently have not fixed their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX and XXXX XXXX applied for a reverse mortgage to help pay for escalating medical bills. They were granted a reverse mortgage but were not informed of the escalating interest charges through the years. They have borrowed on the equity of their home approximately {$40000.00}. they are being charged XXXX per month interest and now low {$200000.00} on the loan of {$40000.00}! This is predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This XXXX account # XXXX is " Paid-in-Full ''. It is not in " Payment Plan. '' This account is " Closed ''.

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 2018-07-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This XXXX XXXX XXXX account # XXXX is " paid-in-full ''. It should be reported as " closed ''.

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 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MO

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX I submitted a dispute via certified mail regarding an entry on my credit file and according to the FCRA a company has 30 days to prove validity with ( ie signed contract, not a bill as it does not validate. They have broke their contract by choosing not to provide proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: GA

Complaint narrative:
I have been receiving phone calls from company called ERC from the number XXXX. They called me asking me to pay money to a healthcare provider. They asked for my information without reading it to me first, such as my phone number and address. They asked if I could pay an amount owed and I said no. I was told that they would document my response and begin their " next step ''. 

This is not first time this number has called me attempting to get my information. Whenever I ask questions about the nature of the call, the person on the other line immediately hangs up. 

Their website is www.ercbpo.com

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
Hello, On XX/XX/2018 my card was taken. Some how the person got my pin and took XXXX dollars out of my checking account via ATM. I filed a fraud claim with my bank, Comerica. I was told it would take 10 days to reach a decision. On day 10 I was credited back the XXXX  dollars. Fast forward to XX/XX/XXXX and Comerica debited my account the {$500.00} dollars back stating because someone used the card and atm I was responsible for it. I have stated over and over again this was not my doing and I have never had any issues with fraud. They since have been reluctant to file an appeal on my behalf or re-issue my funds. I'm not sure what to do next but Comerica should surely be ashamed. I use this money to take care of my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I keep getting phone calls from XXXX XXXX XXXX from their multiple phone numbers. I do not owe any debt. My federal student loans don't have to be paid off until after I graduate in XX/XX/2021, and I pay off all of my credit cards every month. I do not have any debt. They call multiple times a day and try to scam, and it's getting really irritating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo dealer services is reporting, consumer dispute 90 days late /closed. Instead of paid off.

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 2018-07-17 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I graduated in XX/XX/XXXX and reached out to my loan servicer about repayment options. The representative I spoke with said I qualified for a 12 month forbearance because I had not started working full time yet. I went ahead with the forbearance but after 12 months, my loan amount had increased so much that I could not afford to repay it using the standard payment plan so I enrolled in the income based repayment plan and was working towards making 25 years of payments to have my loan forgiven. When the REPAYE program was launched, I called Navient in XX/XX/XXXX and spoke to a representative who informed me that since I had a gradplus loan on my account that I did not qualify for the REPAYE program but if I consolidated my loans then I would qualify for the program. I was informed that by consolidating I would forfeit the 4 years worth of payments I had been making under the IBR plan towards loan forgiveness. I chose to consolidate in order to lower my monthly payments and enter the REPAYE program. Navient put me in the REPAYE program for 2 years with no problems but when I tried sending in my tax return this year to renew, I was placed in the ICR plan which increased my monthly payments from {$910.00} to {$2000.00}. I called Navient for an explanation and they said since I had a gradplus loan then I didn't qualify for REPAYE. I informed them that I was told by a Navient representative in XX/XX/XXXX to consolidate my loans to conform to the REPAYE program and that I have been enrolled in REPAYE for the previous 2 years. I told them I would never have consolidated and forfeited the 4 years worth of payments I had made under the IBR plan from XX/XX/XXXX-XX/XX/XXXX if the representative hadn't given me the incorrect information and asked them why I was enrolled in the REPAYE the previous 2 years without any issues. The Navient representative said they made a mistake but there was nothing they could do about it. Now they are informing me that I don't even qualify for IBR because of the consolidation and that I only qualify for ICR which I can't afford. If they had not given me the incorrect information in XX/XX/XXXX then I would have never consolidated and forfeited 4 years worth of payments and just stayed in the IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
The problem began for the tax collector in the middle of XXXX when my name and tax amount was not included on the printout of payments from Mr. Cooper. This was just about the time that the files were being transferred to the XXXX XXXX. It went around and around and on XX/XX/XXXX when there was still no payment, he called me to get involved. I called the company. The funds had been withdrawn on XX/XX/XXXX and after that - no one had a clue. I spoke with XXXX XXXX who provided me with a direct phone number and had promised to expedite the issue and would get back to me on XX/XX/XXXX. That did not happen. On XX/XX/XXXX I telephoned your office, left a message for your administrator assistant and NEVER got a call back. Spoke with XXXX who again promised to expedite the issue since that had NOT been done by XXXX. XXXX assured me that she would do it, but it would take 3 business days and though I called first thing on the XXXX, that day did not count. I again called the corporate office and spoke with XXXX who promised to get back to me by XXXX XXXX ET on the XXXX as he was presenting the issue to his VP, XXXX. At XXXX XXXX ET I called XXXX who had forgotten and then called his VP while I was on hold. He told me that it had been reissued on the XXXX and he would give me a tracking # when he had it. He also told me that my taxes were not due until XXXX which is not true. An email from him this morning told me that the check, in fact, had not been reissued, but would be today and overnighted. As of XXXX XXXX ET, I  have heard nothing. With each conversation, the facts as they appeared to Mr. Cooper continually changed. I have been lied to, snickered at, patronized, misled, and have had an experience so horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My home is set for foreclosure auction on XX/XX/XXXX by Specialized Loan Servicing. I have a good job and make sufficient income to afford a fair and reasonable mortgage payment. My issue is that SLS has denied me access to available options and has refused to consider allowing me to fix this problem. I have owned my home for 15 years and live here with my XXXX year old son and XXXX   nephews, ages XXXX and XXXX. We don't want to be put out on the street when this is a problem that could be solved. I had a major hardship a few years ago when I was unexpectedly laid off and defaulted on my loan. I have tried to work with SLS to fix this problem but have been denied access to federal, state and internal programs that I should be considered for.

I worked for years doing XXXX XXXX for the XXXX  and XXXX  and had stable income. A few years ago I had some financial issues and applied for a loan modification and was put into a step modification program. I paid on this for several years as the rate and payment continued to increase. Problems began inXX/XX/XXXX when the XXXX I worked for had their budget cut and the funding for my division was ended and I was laid off. As a result, I defaulted on the modification payment. I contacted SLS as soon as this happened to try and begin negotiating some type of new modification or forbearance or repayment plan. I also started my own XXXX  business but it took a few months to get it off the ground. As soon as I was in a better position I tried to make a mortgage payment to SLS but they would not accept it unless I paid all past due payments at once. I continued trying to negotiate for a modification but eventually their agents told me since I had a modification in the past with a low interest rate that I was not eligible for another. I do not believe that is accurate information so I hired an Attorney to help me who advised me to file Chapter XXXX bankruptcy. I did this for nearly two years until my grandmother ( who raised me ) fell XXXX ill in XXXX and I had to go there to help care for her until she passed away in XX/XX/XXXX. I have tried returning to negotiate some type of modification or agreement with SLS but have been given the runaround and transferred from department to department with no assigned contact that was willing to work with me or help me. I was told the only option was to sign over my home.

I have spent the last few years building my XXXX business and I have sufficient income to afford a fair and reasonable mortgage payment. I just need the SLS agents to work with me and look at my current and correct financial information and give me access to all programs including modification, forbearance, recapitalization of delinquent amounts or even repayment plans. I can afford a fair payment, this whole problem could be fixed and SLS could get their money back if only they would work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported collection accounts found on my credit report from XXXX XXXX XXXX for the amount of $ XXXX, $ XXXX and $ XXXX. I've contacted the debt agency in XX/XX/2017, for more information regarding these debts and could not get in contact with a representative. These debts were fraudulently placed on my report without my consent and does not show proof of validation that it is mine. I've requested validation of said debt accounts showing my signature, however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. No paperwork with my signature was furnished to me as proof of validation. I've requested validation by mail and was provided what I've attached to this complaint ; which is a direct violation of The Health Insurance Portability and Accountability Act of 1996.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: First Data Corporation
State: IN

Complaint narrative:
I have tried to Cash checks and was denied at XXXX, XXXX XXXX They said that there is an issue with Telecheck. I owe nothing to them and have money in my checking account. I have the receipt from XXXX  showing that is what declined.

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX  TN XXXX Check declined,

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 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: OH

Complaint narrative:
The total collection amount of {$620.00} was paid in full on XX/XX/2017 with a promise from the collection agent for account removal on credit reports. The balance is now XXXX but the collection account is never removed from my credit reports. I tried to get this issue resolved, but they are not taking my calls now. They hang up on me multiple times and put me on hold for more than 20 minutes and then hang up. They are very rude and unprofessional.

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