vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I recently received a letter from Lowe 's stating that my account with them was closed. I would like to report their unfair practices towards XXXX XXXX  card holders. I didn't owe them any money and my card was in good standing. I paid this account off in XXXX or XXXX.The closed my account in XXXX. Damaging my credit score/rating.If you investigate you will find that they have implemented this practice only on their minority card holders.

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 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I was contacted today by my mortgage company advising I have not paid my XXXX Mortgage. I was told I had a returned check from the bank and was charged a returned check fee. The escalation rep, XXXX, XXXX, advised my account number was " changed '' in XXXX and would not credit me the return check fee. I have been paying Ocwen with the same checking account for approx. 12 years and I have NOT changed it. I also have made my payments on time. I want the XXXX return check fee credited. My bank also has no returned payment fee on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
Mercedes Benz Financial Services billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to MBFS, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: KY

Complaint narrative:
In XX/XX/2018 my wife became seriously ill and had to leave her job. We became unable to pay our mortgage and was able to talk with our original Lender, XXXX XXXX XXXX. I started loss mitigation, filled out all the paperwork and sent it in a timely manner. I didn't hear anything for over 30+ days, called XXXX and was told they were working on it. In the meantime, XXXX sold our mortgage to Flagstar Bank. When I found out I contacted Flagstar and was told that all the loss mitigation paperwork had been forwarded and they had received, " Everything PHH had. '' Several weeks later, XXXX XXXX I received a 2nd day letter dated XXXX XXXX, 2018 that stated I had until XXXX XXXX to submit paperwork. I called confused, asked to speak with my case manager ( I have NEVER once spoken with her, even after requesting several times with whatever rep I was speaking with ). I was told that the original loss mitigation paperwork was now considered " outdated '', and I would have to send in more paperwork. This was a single sheet of paper with nothing attached. I asked why I didn't receive anything along with it and what I was supposed to do I was told, " I guess I can mail you the paperwork, it wont be there for a week but its not going to make any difference now. '' I then spent two days calling and asking for help and finally reached someone who gave a XXXX, walked me through downloading and printing the actual paperwork I would need from THEIR website ( the CSR before never told me I could do that ) .She also told me I could email the info, which I did on XX/XX/18 the date it was due ( I have delivery confirmation ). I called and spoke with a great lady named XXXX who identified herself as the loss mitigation team lead. She opened my email, went through the documents WITH ME on the phone and confirmed that yes, indeed I had sent all that was required and it looked good. It was going to be sent to the Underwriters by her personally. Imagine my surprise, when I received a letter in the mail today XX/XX/18 saying that because I NEVER sent in the documentation, I was now officially out of the loss mitigation. This has been unbelievable. I have NEVER dealt with a company like this. Customer service has been a joke. It is obvious they do not want to work with me ( or probably anyone! ) on a situation that can and should be resolved and would rather foreclose using stalling, diversion and flat out lies. I need help, even lowering my payment would pull me out of this situation and allow me to keep my home. This situation has led me to consider legal action.

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 2018-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Service
State: ID

Complaint narrative:
Action Collection Services out of XXXX, Idaho has called me numerous over the past two years and have now started calling again. I have started to not answer the calls due to the amount of times the employee of the company calls me. Every time that he has called me he will not tell me the amount of the debt, who the debt originated with and what date it originated or give me a reference number or put me in contact with a supervisor. He calls every six months and will call not only my cell phone but will call my office as well every day numerous times a day. They have never sent me any paperwork about this so called debt, so I can't dispute it even if I wanted to. He will also tell me that I have a judgement against me for this so called debt and that it is on my credit report ( there is no judgement or debt being owed on my credit report ). This man is rude and angry when he calls and I repeatedly tell him that I do not know what it is that he is talking about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: CA

Complaint narrative:
I HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX  ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX  IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.

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 2018-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Our mortgage is with Ditech and includes an impound account. We received a Cancellation Notice from XXXX XXXX stating that payment had not been received. I contacted XXXX around XX/XX/XXXX and they informed me they had changed underwriters for our policy and they would promptly generate a new bill to send to Ditech. Ditech sent me another letter XX/XX/XXXX stating payment not paid. Again I called XXXX and they said the billing had been sent. 
Ditech has a balance of {$1900.00} in our impound account ; they owe XXXX {$1200.00}. 

They should be communicating with each other, not me. I am obligated to pay into an Escrow/impound account for the first five years of this account of which I have no control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
I have a medical debt that was referred to Midwest Service Bureau. Per my request, I had my son contact the doctor to advise it would be paid on or before XX/XX/XXXX, as the debt is disputed and if my insurance did not pay more, I would take care of the bill on or before the XXXX of XXXX. 

I had my son attempt to contact Midwest Service Bureau on XX/XX/XXXX after he spoke to the original creditor and came to an arrangement with them. Even though I was still within my 30 day validation period I was coerced by Midwest Service Bureau because of their policy that they sue all former employees and relatives of former employees. 

My son contacted Midwest Service Bureau and spoke with XXXX XXXX and XXXX XXXX and attempted to tell them that the account was disputed that they did not have to give him any information but in align with the XXXX decision, he simply wanted to vocalize the dispute and offered to tell them on voicemail. As he was telling XXXX XXXX this, she hung up on him a clear violation both of the XXXX decision. 

If it were not for this coercive policy of taking all relatives of former employees to court that took away might rights guaranteed under both FDCPA and the Kansas Consumer Protection Act, I would not feel so pressured to come up with this money. I have come up with an agreement with the holder of the account, but it does not excuse the abusive collection tactics employed by Midwest Service Bureau and its agents. 

Further, the fact that I am being coerced into paying this due to my son 's being a former employee shows that there was a clear conflict of interest in this case. When the account was turned to Midwest Service Bureau they should have sent it back because of the conflict of interest instead of engaging in the coercive and discriminatory techniques that they regularly engage in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: NY

Complaint narrative:
Lending Club is an entity I borrowed from in 2016. I am paying off the loan early. I have been in email correspondence with them ( they won't correspond by US Mail ) and they are telling me the wrong things about what I owe if I pay early. I contacted them before and they said if I paid by XX/XX/XXXX I would owe some amount, {$1300.00} and something. I sent {$800.00} and they then said I owed {$700.00} something. Now they are telling me that when I sent {$800.00} toward early payoff of the loan they applied only XXXX to that payoff. They said 'since we are unable to apply monthly payments before your contractual payment date, we applied {$560.00} towards your principal balance and was ( sic ) holding your monthly payment and check fee to be applied towards your loan on your contractual payment date. ' They are not entitled to collect a fee because of my utilization of money orders to pay them every month but started doing that at some point. They were deliberately harassing when I used to call in payments and finally I quit fighting with them on that and sent money orders. They are obviously not entitled to hold part of my payment until 'contractual payment date '. Forget it. I am entitled to save on interest that would have been due if I had not paid early. They are pretending otherwise. 

Please contact them about fact that they can not hold payments and pretend I still owe same interest I would have owed if not paid early. I am entitled to payoff early and save on interest. They are dishonest in their endeavors and have been for a while and this becomes tiring. They placed fees on my payments that they are not entitled to. You can rest assured they will advise you that their contract allows them to do something like that but of course they are not the courts, but they fail to comprehend this. I have dealt with the courts more than these kids have. If I have to report them to someone who will address criminal and/or fraudulent activity on the part of this institution I will do that. They have been a problem ever since I took that loan. 

Right now, I need you to get it through their heads that they must deduct interest otherwise due when I pay early and can not 'hold the payment ' until the 'contractual payment date '. Get over it. This is one pathetically dishonest and poorly operated entity. When I owed XXXX something and sent XXXX, that means my remainder due was under XXXX. Not XXXX something. I have sent another XXXX and that should cover entire amount due. I will not hear them tell me I still owe beyond that. 

XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I emailed Coinbase to follow up about a balance transfer of any bitcoins from my old account to my new account. They responded on the same day saying they will process and follow up. I didnt hear back, so I contacted them on XX/XX/XXXX. On XX/XX/XXXX I followed up to see if there was any progress. They responded back and said that the issue has been escalated and a review will typically takes 5-7 days, after that they will confirm that my issue has been resolved. I did not hear from them. I reached out today, this time with a phone call, and was told Coinbase was backed up. The representative also said she placed my issue as high priority. 

This has been happening for a few months and I dont know how much bitcoin is in my account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have no knowledge or ownership of this account. Please provide original proof of debt and ownership ex : Bills, Contracts. my stated I.D,  Signature. any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act and The Equal Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act. Please make sure Credit Laws for State of North Carolina and federal Laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau, FBI, and Federal Trade Commission and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in Federal  Court for violation 's ~815 ~808 ~809 of Federal Credit Law. 

National Credit Systems is reporting inaccurate information on my credit report. The account in question is not my account. I have contacted NCS to get this matter resolved just to be cursed at, hung up on, yelled at, not giving me any information and very unprofessional. I filed a XXXX   complaint and in there response NCS lied and stated that they were reporting a different name on my credit report. This company has taken advantage of me and I need someone to investigate this situation As you will see in the documents attached NCS has lied to the XXXX  in reporting XXXX  XXXX XXXX on my credit report and as You can see NCS is actually reporting XXXX  XXXX XXXX on my credit report. Neither of the accounts belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: MD

Complaint narrative:
On XX/XX/2018, I received a letter from XXXX XXXX XXXX  stating I was the winner of the {>= $1,000,000} grand prize. I called the number on the letter and they asked me how I wanted to collect my winnings. If I wanted it to be kept quiet, without a lot of fanfare, I would have to give them a cashiers check to cover taxes before I could collect the money. They said they would deposit the money into my account and deduct from my winnings and I could take my cashiers check to the bank they indicated. They also told me I would have to get a debit card for the account, which I did and provided that information to them They told me I would have to keep everything very quiet and to not tell anyone that I had won. They then proceeded to collect my personal information from me, they said, to prove I was the correct person. I was a little worried, but when I went to the bank to get the cashiers check, I had them check my balance and it was up by the {$2800.00} amount they said they would deposit for me. I then believed everything was legitimate because they had put the money in as promised. So I took my check and drove to the next town where there was a XXXX XXXX XXXX bank and deposited that check as directed. I was in the process of having to pay the second larger amount for taxes, when I let some of my family know that I had won. They immediately became concerned this was a scam and had me call my bank. My bank confirmed it was a scam and that the {$2800.00} had actually been transferred out of my money market account. Luckily, they were able to stop payment on the larger check that I was getting ready to pay them for taxes. My complaint is that the bank should have verified with me before transferring money from my money market account to my checking, none of which I authorized. I never use on-line banking and have been a customer for many years. I never had a debit card prior to this situation, due to the different account activity, that was very different from my usual activity, I feel they should have contacted me to verify it was legitimate. I am asking to have the {$2800.00} reimbursed to me, as it was taken out fraudulently and without my consent. I unknowingly gave them the information they needed to access my information on-line. I did contact the bank and filed a claim, which was denied, so I am now reaching out to you to see if you can help me resolve this issue. I have also filed a complaint and provided all of the information to the local police department.

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 2018-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Being charged for a load that was paid off. A duplicate of the same loan was created after i left college. The original was XX/XX/XXXX a duplicate of that loan was created on XX/XX/XXXX after I had left. I have been fight this for years they want {$120000.00} and they say I attended XXXX  University, which I have never set foot in. I am XXXX, I have been out of college since XXXX and they want me to pay {$700.00} a month until I am XXXX. I have no legal protection and they have the power to garnish my wages. None of the money I have paid in the past shows on the record. It's like I never paid a dime. 

Loan Type Total Borrowed Loan Date Outstanding Principal Outstanding Interest Total DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} {$0.00} Total DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} {$0.00} Total FFEL CONSOLIDATED {$0.00} {$0.00} Total NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} {$0.00} Total FFEL STAFFORD SUBSIDIZED {$0.00} {$0.00} Total {$67000.00} {$0.00} DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} XX/XX/XXXX {$53000.00} {$0.00} DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} XX/XX/XXXX {$8600.00} {$0.00} FFEL CONSOLIDATED {$27000.00} XX/XX/XXXX {$0.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$5900.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$1000.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED By XX/XX/XXXX I was no longer in Texas. All of this debt is from the duplicate loan. The omsbudsman researched this and XXXX XXXX College confirmed this to be a duplicate and I don't owe them anything. The XXXX is form XXXX  University, which I never attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I HAVE A ACCOUNT FROM XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS {$720.00}. 

I ALREADY DISPUTED WITH ALL 3 CREDIT REPORTING AGENCIES, XXXX AND XXXX  AND XXXX. I REPORTED THIS ACCOUNT AS A FRAUD ACCOUNT I WANT HIS DELETED ASAP. XXXX  ALREADY DELETED THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
My loan servicer is listing the incorrect number of PSFL qualifying payments on my loans. I began making qualifying payments in XX/XX/2013 and have had more than 60 qualifying payments. However, they list only 40 qualifying payments on most of my loans. They tell me that my qualifying payments are " under review, '' but this review has taken an unreasonable amount of time ( more than 5 months ).

Company response to consumer: Closed with explanation