vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
I have never received anything prior to a collection showing up on my credit report. The law states that consumer should be notified 30 days prior to listing anything on credit profile. This company is stating they are collecting on behalf or XXXX XXXX I have no contract signed with XXXX or XXXX XXXX. Per the HIPAA Law it protects my personal health information from being released to anyone not listed. This is reporting and has impacted my credit negatively. If this issue can not be resolved, I will exercise my rights under FCRA and sue for any damage this has cause me in obtaining credit and will contact XXXX XXXX for XXXX XXXX whom is responsible for enforcing the Privacy and Security Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Hello. I have a foreclosure sale and I need assistance with stopping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I have been having financial issues and I had worked out something with them before but things did n't go as planned for me and I 've talked to XXXX a few times and told her that I was n't sure when I would be able to pay. I know that I owe and I had an issue before with them calling my work and also calling my references and my dad. I told them not to call my job or the family but yet they are still calling my references and family and also telling them why they are calling and telling them that it 's because I have n't paid my loan. Not only is this a breach of privacy but it is embarrassing for me beacuse I do not want anyone knowing about my financial difficulties. I am extremely upset but the things that have went on with this company. I 've submitted a complaint against them before for this same reason and apparently it was never resolved and I do not appreciate the blatant disrespect for my wishes by the employees there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I recently relocated to Florida and grounded my XXXX XXXX XXXX purchased in Iowa. I called in for the payoff upon trading my vehicle in for a XXXX XXXX and the dealer issued payment for the remaining balance. After XXXX received the payment, there was still a balance of {$330.00} reflective on my online account so I called in to verify what it was for. The representative told me the taxes applied monthly to each payment were actually removed since a lump sum was paid at once and the {$330.00} was what was left on my account. Upon fulfilling the {$330.00}, I would then receive the disposition fee of {$350.00} along with any fees from damages found. Not even a week later I received a bill in the mail for {$1400.00}. I have called several times to verify these charges and no one will call me back. They have threatened to place my account status under a voluntary repossession if they do not receive their payment 30 days of the notice. I have no idea what this charge is and can not get ahold of representative or XXXX with an answer. I 'm starting to think they do n't even know. I am a victim of XXXX XXXX and a single mother ; if I knew this amount was due the dealer would 've covered it. I have never missed a payment with XXXX. I can not afford to pay this along with my current bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX, specifically from a lady by the name of XXXX XXXX, who asked if I was still interested in refinancing. I told her no, explained that I was working with my lender because other lenders have not been able to assist with my needs. I told her I did n't want to speak to an account rep/exec because I did not want an inquiry made on my credit. She assured me that there would not be an inquiry made on my credit without my permission first and transferred the call to XXXX XXXX. I spoke with her and she gave me some possible lending options / scenarios but never asked if she could pull a credit inquiry. A few days later I received a credit score disclosure document from XXXX stating that a report was prepared for XXXX XXXX. I contacted XXXX XXXX immediately to complain and ask that the inquiry be removed from my credit. OnXX/XX/XXXX XXXX XXXX contacted me and he notified me they would not remove the inquiry because they had " permissible purpose '' to pull inquiry and also express consent based on lending tree interest application I filled out. I was told that they would send me a copy of such, which I am waiting on. I called lending tree and was told that the only time express consent is given to run credit inquiries without prior permission is for car loans and credit cards. I also made a call to XXXX XXXX XXXX general counsel XXXX XXXX. He said he would look into the matter and get back to me. I asked that he pull and listen to full call from the point the dialer made initial contact with me so that he could hear the full discussion I had with both XXXX XXXX and XXXX XXXX. I was assured by XXXX XXXX that I would not have any inquiries made on my credit without my permission. When I spoke to XXXX XXXX he said he only listened to portion of call with XXXX XXXX. I asked him to listen to the full call as well, and he told me that even if XXXX XXXX told me that an inquiry would not be made without my permission does not mean it is so because they could run an inquiry as long as they had a permissible purpose, which was me speaking with account executive. I explained to him that I did n't even want to speak to executive and made this very clear, and that I would have just hung up if it were n't for XXXX XXXX assuring me that no inquiry would be made on my credit. Every other lender that has contacted me has asked permission to run my credit, and I have said " no '' each timeXXXX XXXX XXXX XXXX was deceitful in their tactics and practices, and made an inquiry on my credit knowing that I specifically asked them not to. I will be pursuing a lawsuit if they do not take the proper action to rectify their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have written to Synchrony Bank/Care Credit on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an  account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.

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 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is a credit card servicer for the XXXX XXXX credit card. Bank of America advertises and promises zero liability for unauthorized charges, however it willingly fails to protect its clients from unscrupulous merchants who overcharge their clients accounts. Bank of America engages in deceptive marketing practices in promoting their credit card products. 

On XXXX/XXXX/XXXX an unscrupulous merchant overcharged our credit card {$480.00} after misleading us with the true cost of their services. 

We were promised and quoted by a XXXX XXXX XXXX XXXX representative on the phone for the rental car a total of {$30.00}. XXXX XXXX XXXX XXXX representative did make material representations as to the total car rental charges including taxes and fees on a recorded line. We returned the rental car in an excellent shape, no tolls, full gas, and no damage. However, the merchant single handedly decided to over charge us by {$450.00} quoting their " final audit '' policy. 

Bank of America, when contacted, failed to reverse the charge claiming their website is unable to accept audio files of a recorded conversation where merchant represented to us that the rental cost would be {$30.00} including all taxes and fees. 
And yet, the bank claims zero liability on their credit card marketing materials. Bank of America fails to protect their clients and purposely designs their site to hinder any such disputes or claims. 

It is our understanding that Bank of America cunningly engages in misleading marketing in promising zero liability. 

I am aware that in XXXX Bank of America was ordered to pay {$20.00} XXXX in civil money penalty to the CFPB and an additional {$720.00} XXXX In Consumer Relief for its Illegal Credit Card misstatements and promotions. http : //www.consumerfinance.gov/newsroom/cfpb-orders-bank-of-america-to-pay-727-million-in-consumer-relief-for-illegal-credit-card-practices/ I would like to kindly request that the CFPB carefully review the initial complaint, pool similar complaints about the misleading marketing practices and order the bank to pay the penalties and reliefs as appropriate.

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 2017-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have written to XXXX XXXX/Rooms to go on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.

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 2017-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
I first sent a certified letter to Aafes on XXXX XXXX, XXXX and I received no response. The second letter was sent on XXXX XXXX, XXXX which instructed me to contact XXXX because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted XXXX in XXXX XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay 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 2017-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

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 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: MA

Complaint narrative:
I mailed a certified letter to XXXX XXXX starting XXXX/XXXX/XXXX with the following information : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. The debt was stated to belong to MCCarthy, Burgess & Wolff. I sent another letter requesting validation of the debt and received nothing that provided valid proof that the debt was mine. The debt amount is said to be {$2700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I have 2 inquires from a lender that I never applied for a loan from, Cash Central. I do n't know who they are or how they got my information. First pull XXXX second pull 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 2017-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I was behind in my mortgage the amount was roughly XXXX. In XXXX XXXX I requested a reinstatement quote. I received the reinstatement quote from Ocwen Mortgage and paid it early. In XXXX of XXXX I get my payment statement and reflects that my payment has increased by {$500.00} due to foreclosure fees. I was advised that after I paid the reinstatement quote Ocwen notified the foreclosure attorney that all was now good and the fc attorney then sent a bill for the services which in turn Ocwen passed onto me. I advised Ocwen that what they had done was fraudulent and illegal. I filed a complaint for this to be escalated within their servicing area. On XXXX/XXXX/XXXX I was called by Ocwen explaining that they had investigated the matter and found the {$500.00} to be a valid charge and I must pay it because of the foreclosure. I advised the rep that this was illegal, that their was never a Notice Of Lis Pendens filed. I also disclosed that I do this kind of work for a living and new exactly what the law stated. I advised that they were in violation of the FCRA, The CFPB, The Frank Dodd Act and a whole host of other violations. I explained over and over again that the Ocwen never filed a Notice of LP. They then told me that due a township ordinance it was my responsibility to register that my house was in foreclosure. Once again I explained to them that they never did their due diligence and their was n't a foreclosure filed. They have lied to me, they have attempted to defraud me and they have cheated me. I would like them investigated and I would like them punished. If they are doing this to me and I know what the law is imagine what they are doing to unsuspecting consumers.

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 2017-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loans have been in a deferred status since I left school in 2014. My student loan servicer is reporting two periods of delinquency, where my loans are being reported as more than 120 day past due. I never received any notice that my deferred was ending or that my payments were late. I believe that this reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After learning that my social security number may have been compromised in late XXXX, I initiated a security freeze with all three agencies. I have been calling them to find out how I can ensure that the freeze does not lapse. I had NO PROBLEM with XXXX ; they asked what state my freeze was initiated in and said it would expire early next month. They helped me over the phone to terminate the soon-to-expire freeze and immediately initiate a new freeze with a new 7 year time limit. 
Both XXXX and Equifax said they do not allow security freezes to expire. In each of these cases, I reached an overseas call center in XXXX. Even though I cited the Pennsylvania statute stipulating that security freezes will expire after seven years, they insisted they would not. Assuming the PA statute is in force, my freeze with XXXX  will expire on XXXX XXXX, XXXX, and my freeze with Equifax will expire on XXXX XXXX, XXXX. I am concerned that in spite of their assurances, their system will conform to the law and my freeze will be allowed to expire. I plan on calling again on the expiration date, but expect to hear the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: TX

Complaint narrative:
My wife was in an apartment at XXXX XXXX and i had signed for the apartment so she could have a place to stay and she apparently left the lease early and now it has affected me This was in XXXX and it is over 7 years old and i would like this removed from my credit report

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 2017-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX. XXXX faxed insurance check to be cosigned by Bank of America. Called on XXXX XXXX regarding status and they only " scanned '' check on the XXXX of XXXX. Today is the XXXX of XXXX and still have not received cosigned check. Their policy states the check will be cosigned and returned in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX of this year I tried to open another savings account online with BMO Harris Bank, I already have one savings account. They rejected the application saying that there was something in a credit report that caused the rejection. They refused to tell me what was in the report that caused the rejection. I pulled my credit reports, there are no problems. If they have erroneous information on me and the insurance industry gets a hold of it, they will use that to increase premiums and, they may already have. 
I can not find a problem and BMO will not give me an explanation,

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 2017-11-06 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 — Problem with personal statement of dispute
Company: AES/PHEAA
State: AL

Complaint narrative:
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through FedLoan Servicing for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

Company response to consumer: Closed with explanation