vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am trying to buy a house so I recently checked my credit report and I saw a couple of accounts that were fraudulent and not opened by me. This is hindering me from buying my first home. Below I have listed below the account information and amounts of each fraudulent account as well as the inquiries. 

Account # -XXXX XXXX XXXX XXXX XXXX Date Open- XX/XX/ Amount- {$44.00} Account # XXXX Date Open-XX/XX/2018 Amount- {$5000.00} Inquiry- XXXX XXXX, XXXX, XXXX, XXXX, and 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 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS IS NOT BONDED IN TEXAS TO COLLECT DEBT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
I moved from my apartment at XXXX XXXX XXXX XXXX XXXX, and moved to XXXX in XX/XX/2018. I never received notice or mail or phone call that there was a remaining balance past the time the meter was to be cut off and I had moved. I did not receive a word until the collection company called me! They told me to pay the amount and it would not be on my report, or if it did show they would correct. The did not do this and it still shows unpaid in collections. The derogatory collections on my credit report is from a company called COLLBUREAU. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$140.00}. The same and only day they contacted me from the collection agency was on XX/XX/2018 and I spoke with XXXX. I paid the full amount and confirmed on My XXXX Credit card on XX/XX/2018 in the full amount of {$140.00}. And, XXXX gave me the confirmation number XXXX. 
XXXX shows payment on XX/XX/2018 for {$140.00}, there reference number is # XXXX The charge appeared on My XXXX credit card as 'cbhv, Inc. phone number XXXX. 

The problem is they NEVER REMOVED this into paid, nor add any notes of the circumstances and it still shows unpaid collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
My mortgage was recently transferred to Shellpoint from XXXX. My loan was paid off in full on XX/XX/19 by wire from escrow as I had sold the house. XXXX did not apply the payoff amount the day they received it. They instead held the money and then on XX/XX/19 took another payment from my checking account. Then on XX/XX/19 they transferred servicing to Shellpoint WITHOUT applying the monies they had received that were sufficient to payoff the loan as of XX/XX/19. Shellpoint then applied the funds on XX/XX/19 and my extra payment is now some how missing as they say I am only getting {$35.00} back after applying all of the funds. First of all the loan should not have been transferred. Second this transaction vioaltes RESPA by not applying the payoff on the date it was received XX/XX/19. Third XXXX illegally kept monies for a payoff they did not process. Fourth Shellpoint can not apply funds received on XX/XX/19 and XX/XX/19 on XX/XX/19.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
I am having issues with plus four inc. I was never sent a letter about my collections until it came up on my credit report several years ago and I reached out to them, medicaid, and the XXXX XXXX to let them know I was not responsible for this payment but instead of resolving the issue they continue to increase the amount and bill me for interest on my credit report. It is harassing and it is hurtful to my advances to buy a home or a car in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX I paid {$200000.00} to my duplex for a {$60000.00} mortgage. They foreclosed on my property for a {$53000.00} balance XXXX XXXXselect portfolio servicing. 
I have paid {>= $1,000,000} to my house for a {$260000.00} first mortgage and an {$82000.00} second. They say I still owe {$250000.00}! 

XXXX I paid {$160000.00} for a {$33000.00} mortgage I assumed {>= $1,000,000} for XXXX I was given. 
{>= $1,000,000} interest and {$0.00} to principal Less than {$700000.00} total principal and interest due leaves {$860000.00} for taxes and insurance and credit card balances of about {$250000.00} total. 
There is at least {$650000.00} missing. 
And I owe {$0.00}. 

Of that {$650000.00} XXXX owes me {$50000.00} XXXX XXXX owes me {$160000.00} the extortionists at Select portfolio servicing owe me {$230000.00} The current statement balance is {$210000.00} I already overpaid to the other two {$37000.00} i never owed and {$10000.00} paid to shortages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Bank of America stating they were declining me SHORT-SALE on my home, for no apparent reason. I complained to Hud and Bank of America. What was the reason for Bank Of America declining me a short-sale when I provided all of the documents they asked for. My real-estate attorney also provided numerous of documentations to them. After, two weeks of complaining the Bank finally approved my short-sale on the home. But, now Bank of America suppose to provide me with {$3000.00} in relocation assistance to help me find a suitable place to stay and they also denied that also! I am so shocked and disappointed how Bank of America has treated me through this difficult time in my life. I am selling my home, because I can't no longer afford the payments and I got so behind. My lost hours on my job also. I wanted to make sure this home won't go into foreclosure and get auction on the courtroom steps. Now, I have a buyer on the home and I have a place to stay but it wont be ready until XX/XX/XXXX. So, I really need the closing date to happen after that date. Here are the document supporting all of my arguments. I really need some type of Assistance. Thank you so much XXXX # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Top Used Cars, Inc
State: VA

Complaint narrative:
The dealership told me that I was denied because I received social security disability. And stated " you people made me lose over {$80000.00} dollars ten years ago ''. Al awhile I was still qualified for one of their used buy here pay here vehicle.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: ID Analytics, Inc.
State: MI

Complaint narrative:
Applied for credit sale of a vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. Initially I refused the purchase due to exceptionally high interest rate. This occurred XX/XX/2019. At the time they quoted a rate of 22 %. Received a letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX stating they must regretfully inform me that they were not agreeable to handling the proposed transaction due to their decision based in whole or in part on the two agencies listed. XXXX and XXXX XXXX. XXXX located at XXXX XXXX XXXX XXXX, PA XXXX with a toll free number listed as XXXX gave a credit score of XXXX with a range of XXXX to XXXX which to me seemed fairly decent. The other company whom I have never heard of XXXX XXXX. Located at XXXX XXXX XXXX XXXX XXXX CA XXXX with a toll free number of XXXX gave a credit score of XXXX with a range of 1 to 999 which seemed to me to be very low in comparison to the three major reporting agencies. When I attempted to make an inquiry to XXXX. They were requesting way to much information about me such as a copy of my drivers license as well as other personal information. I refuse to provide personal information to some company Ive never heard of. Their key factors stated ; limited history for consumer at address and phone number which Ive had for over 10 years. Not enough debt experience which Ive had for 30 years plus. Too few bank card accounts which Ive maintained for 30 years plus and limited history for consumer at this phone. My complaint comes from the fact that upon checking for reviews concerning XXXX I found at least 25 reviews with all reviews stating the same thing, a low credit score from XXXX after receiving high scores from the three major credit bureaus, which generated a high interest rate. This seems like a scam from XXXX or XXXX Bank to artificially raise interest rates on unwary consumers who are applying for credit or loans. This is apparent from the fact that if I had accepted their terms at XXXX XXXX I would have gotten the credit based on a 22 % interest rate. But due to the fact that I declined them they are now saying that they denied me based of my credit worthiness. I also reviewed the XXXX and they were not a member, which to me is another red flag. Please investigate before this company can rip others off based on their methods of artificially raising interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Have been receiving repeated calls from First National Bank of Omaha, purportedly about an " XXXX Store Card '', which I do not have. I paid this account off in full years ago and cancelled the account, so I can not fathom what I might possibly owe them, or even why. This collection company repeatedly calls my work number -- two and three times a day, sometimes more. I have had to put my phone on silent because it disrupts my coworkers. When I checked the voicemail messages this company had left, I was astounded : 77 messages in about the period of two months. The number that the call came from is XXXX. I have no idea what this is about, but I want the calls to stop until I get this sorted out with the retailer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
It was a legitimate medical debt that was referred to a collection company ( after they never sent a single bill but that is another story ). 
Once we became aware of it, we paid the collector who sent a letter saying once the debt was paid in full it would be expunged from the credit reports. 
This was early XXXX. They have reported the debt over and over to at least 2 credit bureaus again, as of XX/XX/XXXX, a month after it was paid in full as not paid and they keep adding interest to the closed account. 
I have sent them numerous emails but they refuse to respond or take any calls. 

This is clearly a shakedown tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Sls mortgage company claims that they used my escro funds to apply towards my payoff. XXXX XXXX asked for a payoff and SLS mortgage used {$890.00} of my escrow funds o apply towards the payoff. This doesnt make sense. I was owed {$1200.00} and they deducted the difference without any itemized break down. Important note : SLS mortgage also charged me a late fee of {$35.00} which was deducted from escrow. I have 16 grace period days to pay. I was not late. This is unethical and bad business practices on their part to steal {$35.00} from me. I was never late. They received there payoff on time before the XXXX day of 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 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: NV

Complaint narrative:
My mortgage was recently transferred to XXXX from Sterns/XXXX. My loan was paid off in full on XX/XX/19 by wire from escrow as I had sold the house. Sterns/XXXX did not apply the payoff amount the day they received it. They instead held the money and then on XX/XX/19 took another payment from my checking account. Then on XX/XX/19 they transferred servicing to XXXX WITHOUT applying the monies they had received that were sufficient to payoff the loan as of XX/XX/19. XXXX then applied the funds on XX/XX/19 and my extra payment is now some how missing as they say I am only getting {$35.00} back after applying all of the funds. First of all the loan should not have been transferred. Second this transaction vioaltes RESPA by not applying the payoff on the date it was received XX/XX/19. Third Sterns illegally kept monies for a payoff they did not process. Fourth XXXX can not apply funds received on XX/XX/19 and XX/XX/19 on XX/XX/19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have asked Tower Loans in XXXX, La. several times not to call anyone on my account they have called my family several times, called my job several times!! Ive told them Im having some financial issues do to helping out my sister that is having some medical issues! The employees at that branch are rude they hang up the phone on you etc. So after making arrangements with XXXX on the phone I made the payment online dated for XX/XX/2019. So today at my job they sent me a certified letter from an attorney stating that I had to pay {$480.00} or they would issue a judgment against me, so I set the payment up online. When I moved I called the office gave them my new address so there was no reason for them to send something to my place of employment!! Tower loans employees seem to think it is ok to share your information with others and talk to you like you are trash!! I have never in my life been treated like this, this company is unbelievable!!! Im in the same business I know the laws and what they do to customers is unacceptable, I hear my customers talk about how bad they are treated!! Something really needs to be done about this company especially the XXXX Branch in Louisiana!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I deposited {$570.00} in an ATM inside a branch of TD Bank. The machine gave an error and returned the card. The money is not available on my account and has not been returned to me either. I am being told it might take a long time to resolve the situation ( if resolved at all ), which places a huge burden on me as I have liabilities that I need to pay off now. It took place in XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05 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: GA

Complaint narrative:
I am trying to buy a house so I recently checked my credit report and I saw a couple of accounts that were fraudulent and not opened by me. This is hindering me from buying my first home. Below I have listed below the account information and amounts of each fraudulent account as well as the inquiries. 

Account # -XXXX XXXX XXXX XXXX XXXX Date Open- XX/XX/2018 Amount- {$44.00} Account # -XXXX Date Open-XXXX Amount- {$5000.00} Inquiry- XXXX XXXX, XXXX, XXXX, XXXX, and 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 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I do not owe this company bor do I owe XXXX XXXX. I tried to explain that and it was ignored. I have no dealing with this collection company and the final payment was made to XXXX   when policy ended

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I was told through oral communication that in order to get a loan for a lease on the new vehicle, I would have to share the detail to the car dealer. And that it would be only a soft pull on my account and not a hard inquiry. 

They gave me a form and I was asked to fill the details, which I had to provide to them, hoping that it would be only a soft inquiry. The sales representative I dealt with was by the name XXXX. 

After getting my ssn and other details, they made me wait for hours together, telling me that they were trying to get me a loan approval for the lease. And I didn't know what happened in the background and I was made to wait for hours. And finally I left since there was no response from them. They didn't provide me any details or ask my permission for trying with more than one vendor, they simply used my details to play around and I had to sit there and wait on the premise that something was delaying for a simple soft pull on my account. I was misused for their business strategy and they wanted to run through my details to all lenders. I figured out this only after looking at my credit karma report, showing multiple hard impacts. 

When I checked my XXXX XXXX account for XXXX, i realized that there were two hard inquires on the same day XXXX the XXXX. Which I never authorized. I was mislead in saying that it is supposed to be a soft pull and got exploited of the business tactics. I would have never gone in for a hard inquiry if I had known, because I already knew that it wouldn't have been a right thing to do. 

Kindly do the needfull. I feel very bad for being exploited.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am a cosigner with my mother on a mortgage. My mother lived in the house and paid all of the bills, I just helped her get the loan. She has XXXX XXXX and will be moving to a facility but right now she resides with my sister in North Carolina who takes care of her. My mother cant move into a XXXX XXXX facility until this house is taken care of or they will take the house away. 

For 2 years I have been trying to do a short sale with OCWEN and have lost 3 buyers because OCWEN refuses to do the sale. Every 2 weeks they request the same documents and within 24 hours the same documents are provided to them. They do not ask for anything new just an monthly updated version of what was already given. 

I have an attorney XXXX XXXX that has also trying to get this do as well as the foreclosing attorney for OCWEN ( who works for OCWEN ) and between all of us OCWEN still will not close. 

I am about to loose yet another buyer because OCWEN giving us the run around. 

The stress that this has put on not only my mother but my sister how can not continue to take care of my mother any longer, and me because I am trying to do everything by the book instead of letting it go into foreclosure. My family is being pulled apart be this. Not to mention my credit has gone to XXXX because I have been dealing with this for way over 2 years. 

I need something to be done, please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Setup " bill pay '' with XXXX, for mortgage held by XXXX Bank. Have regularly paid each and every month from the beginning, YEARS ago. Long ago, I had it set up for payment the XXXX of every month, due the 'guaranteed ' XXXX of each month. This year, like three out of four years, XXXX had 28 days ( Yeah! ). BUT this year XXXX hit me with huge penalty when they cashed payment on XX/XX/2019!!! They won't listen to reason, despite the same thing happening every prior year that had 28 days in XXXX, without a problem or a penalty.

Company response to consumer: Closed with explanation