vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
XXXX XXXX has continued to harass me illegally after I had written and called XXXX XXXX several times explaining I had lost my job. I fell ONE month behind on excess milage charges NOT THE CAR LEASE PAYMENT after losing my job. XXXX XXXX called me numerous times to harass me about being a few weeks late. She is a psychotic, toxic person. I have all of XXXX XXXX’s voicemails saved for my attorney.XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMind you, before and during these calls I had notified XXXX XXXX in writing and via phone call of what was going on.Also, it is illegal for a creditor for call you before XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC.
State: MD

Complaint narrative:
I have tried to reach XXXX numerous times through the 3 credit bureau's since XX/XX/XXXX 2017 in regards to in accurate information reporting on my credit report. They are reporting duplicated and inaccurate information in which is killing my credit file and costing me thousands of dollars in interest every year.XXXX  /Account# XXXX****is reporting 4 times on my credit report with the same account number.

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 2017-11-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I received an email today from XXXX Department store. The subject line was "Credit Card - Minimum Payment due Alert".  It provided my statement balance, Minimum due, Payment due date and last payment amount. It then stated "If a payment was already sent, or is scheduled to be paid, please disregard this message.  I have been a client of XXXX since 1996.  They just granted me the status of "Platinum Customer". I want to file this as a formal complaint against XXXX that they are sending email alerts about a payment that is due in five days.  This is horrible business practice.  I did let XXXX know that if another email as such came I would close my account. I would appreciate a response to this complaint

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 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: IN

Complaint narrative:
XXXX XXXX SOLD TO FRANKLIN COLLECTION SERVICE, INC  CASE NO.XXXX, CLIENT NO.XXXX IN THE AMOUNT OF $XXXX AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT.YOU ARE IN VIOLATION OF THE DODD-FRANK ACTS.O.L. EXPIRED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
See attached letter from the XXXX XXXX XXXX XXXX, XXXX dated XXXX/XXXX/XXXX requesting {$1100.00} on behalf of XXXX XXXX. XXXX XXXX is not and has never been my Cable/Internet or Phone/Communication provider and I have always resided in XXXX, MA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
I called Discover card customer service about an old credit card debt from about 10 years ago. They referred me to XXXX XXXX XXXX and provided the phone number. I contacted XXXX XXXX XXXX and requested written information on the debt, including payoff. They requested that I fax a signed statement that I was not being represented by an attorney before they would speak to me. I complied. I called again and requested the written information about my debt. They said they would have it to me by the end of the week. They did not. I called again XXXX, they said they would have it to me by XXXX. They did not. I called again and was told they would have it to me by XXXX. They did not. I called again the following XXXX and could never get a person on the line. I called again XXXX and could not get a person on the line. I called Discover card. The Discover Card representative attempted to contact XXXX XXXX XXXX as well, and was unable to reach anyone after a very long hold. So, ultimately, after more than 2 weeks and a multitude of phone calls and requests, I still have no written statement of my debt. In the meantime, there is a lien on my home, and interest continues to build daily ( as I was informed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called XXXX an explained that I was affected by XXXX as a flood victim and to please do a coutesy late removal for the XXXX XXXX late payment. The amount owed was {$7.00}. She stated there was nothing they could do for me and that the late fee would stay on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted Equifax a total of 5 times about incorrect information on my credit report. I contact them last on today XXXX XXXX XXXX XXXX Because I have lots of hard Inquiries on my credit report that does not belong to me. So were made twice in the same day, month from the same place. When ever I call they keep telling me its nothing they can do, that the inquiry has to stay on my account for 2 years. I have ask to have my address and phone number undated and also have not had any success with that. I rep, that I spoke with last was very nasty to me and told me it was nothing he could do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I went into Huntington bank in XXXX XXXX with a promotion code that offered {$200.00} bonus when a new checking account is opened along with a {$25000.00} deposit into a money market account. 
XXXX XXXX is the person who keyed the promotional code checked it, opened my account and said that I will get my bonus within 90 days. She also assured me that I will be assessed a monthly maintenance fee because she is going to link all my accounts together. 
I went to the bank again in about a week to confirm the day I would get my bonus of {$200.00} she confirmed that I will get it in my account by the second week of XXXX XXXX. 
Today is XXXX/XXXX/XXXX I still did n't receive the bonus, also my account is being charged a monthly fee for XXXXwo months. I called five times over the course of three months, each time I would get only the answering machine and not a live person. I left couple of messages and no one got back to me. 
I finally kept calling over XXXX times on XXXX/XXXX/XXXX to get to a representative who said that she would pass my name and information to XXXX. XXXX what same story she did n't get back to me. I called again on XXXX/XXXX/XXXX talked to XXXX who assured me that she will pass on the message and said that there may be a glitch in system and the fee can be reversed and she would make sure that she would have XXXX call me about the promotion and that she would call and confirm by the end of the day that she passed on the message. Guess what, neither XXXX nor XXXX called me back to resolve the problem. 
Called again XXXX/XXXX/XXXX, talked to XXXX, who was very rude by saying, why did I wait three months to call about the issue?? Now she is changing the story and says that I wo n't get the bonus because I did n't deposit {$1000.00} into my checking account?? 
But the code that she used is a different on. Now I know she did n't even put in the code for my promotion and telling me stupid stories to cover herself up. When I was in the bank with my {$25000.00} she was trying to talk me into opening all sorts of accounts. She is so careless as to not even linking my accounts together to avoid the fee like she assured. 
Bottom line is very bad customer service. I will not recommend this bank to anyone else and am planning to close all of my accounts. 
Thanks XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
AT & T SOLD TO XXXX XXXX XXXX XXXX CASE XXXX, CLIENT XXXX IN THE AMOUNT OF {$340.00} AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT. 

YOU ARE IN VIOLATION OF THE DODD-FRANK ACT S.O.L. EXPIRED

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 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Recovery Systems
State: KS

Complaint narrative:
on XX/XX/XXXX Midwest recovery placed a collection on my XXXX report. I disputed the item with the credit agency, the consumer financial protection bureau and the company. I asked the company to provide me a historical payment history and the original contract terms. the company refused. XXXX gave the Midwest recovery systems 30 days to respond to my request or the item would be deleted. Midwest recovery never responded to the request from XXXX  and the item was deleted from my credit profile. On XX/XX/XXXX, Midwest recovery systems illegally re-aged the collection account and reentered it again on my credit report with out notifying me of the new collection effort. Midwest recovery systems has called my job and asked for my personal information. Midwest recovery systems has also contacted my father and threatened to have me arrested if i did not pay this item. I am being harassed by this company and i would like some action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
There are two companies trying to collect and report on my credit file for an XXXX XXXX XXXX bill which is unknown and I do not owe XXXX XXXX XXXX. Requesting removal I have disputed and nothing received for any type of validation. Please help this is n't right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On XX/XX/XXXX I received a call from an unknown number from a person requesting personal information ( birth date ) before they would tell me anything about the nature of their phone call. The person then told me they were a debt collector and I owed a {$100.00} medical debt from XXXX. I requested that this person send me proof of the debt in writing, and corrected my address for them as they had an old address. I did not receive a letter, but received daily automated phone calls asking them to call back and pay this debt. On XX/XX/XXXX I called the debt collector back to ask them about when I would get the letter, and inquire to the credit hit I got that day. The person I spoke with told me they sent the letter and then reported the debt to credit a couple days later, and she told me that I likely just had n't received the letter yet. I asked her how they could report something I was n't even given a chance to validate and pay in writing, and she told me I should have paid it when they called me ( ignoring my rights to have this debt proven to me in writing ). I received the letter today ( XX/XX/XXXX attached ), and the letter has no post mark date on the envelope nor date on the letter so I have no way of knowing when they actually sent it to me. The letter does not have enough information for me to know if the debt is valid ( only name of hospital owed to, not date of service or account or anything else ). In addition, the letter states that I had a " payment arrangement '' with the debt collector that is past due, which is indeed quite false. I do not believe this letter fulfills the debt collectors obligation by law to provide validation of debt to me in writing and therefore they did not follow the law in reporting to credit. I can not get the debt collector to follow the law and they are taking adverse action against me without fulfilling their required duties. I believe this creditor has been bullying me and has not been trying in good faith to fulfill my request for proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
Unknown account which I do not owe. I have disputed with nothing received by this company. 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 2017-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD blocked me from using my account to transfer money to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: GA

Complaint narrative:
On XX/X/2017 at approximately XXXX EST, a female representative attempted to collect on a debt for someone else with a similar ( but not exact ) spelling name in the amount of {$74.00} for " XXXX '' XXXX XXXX. I explained I never heard of the creditor/individual. 

What was most disconcerting is HOW she went about the call. She asked to speak with me, would not clarify the name of the company or the nature of the call until I verified PII including my mailing address. She deceptively stated that she could not do this due to HIPAA law, which is obviously medical-related. This appears to be normal business practice for this collection agency and likely a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Purchased my home for {$160000.00} in XXXX. In XXXX, we had modified the mortgage to lower the payments from {$1400.00} to {$1000.00}. We were able to pay that amount until just this past year. We separated, but the house is still underwater for value, so I wanted to keep it. I did another loan modification. They lowered the payments to {$850.00}, but did NOT tell me about the balloon payment until the final docs were submitted. So I stopped paying my mortgage per their instructions, made 3 trial payments, then at the end, they threw a {$71000.00} balloon payment on it. While it 's in the agreement, at the beginning, I did not know about it the whole time, or I would have said No way. But, at that time, I was 3 payments behind, and had paid into the trial, and of course there 's always the money that I already put into the house, and the fact that I did n't have a place to live. This balloon payment is so much that by the time I 'm done paying for the house in XXXX, I will have paid {$390000.00}. Which is over twice as much as the house 's initial purchase price. I do believe they had me in a tight spot, and just to get $ XXXX out of someone who works for a living is horrible. They already put my " 3 missed payments '' into the principle balance, whatever could the $ XXXX be for?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
Date XXXX XXXX2016, Amt. XXXX ; we do not owe this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax report shows a hard hit from XXXX telephone services located 750 miles from where I live on Sunday XXXX I have called XXXX in XXXX XXXX Florida multiple times and they will not tell me if someone fraudulently used my info. to obtain services and or goods. I live in XXXX  XXXX Alabama 750 miles from XXXX. They also offer no help in removing the hard inquiry from my credit. Equifax also refuses to remove it even though they admit they do not believe someone who lives XXXX miles from a location would be attempting to get services in that location. Someone is using my info. or they searched the wrong # by error. I do not know which but neither company will help me. XXXX you understand does not offer services anywhere near where I live. And I certainly have made no trips or calls to this company. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MID-ISLAND MORTGAGE CORP.
State: NY

Complaint narrative:
I have recently made a XXXX payment to mid-island mortgage to bring my loan current. There is evidence to make me believe someone at the company is trying to rewrite my loan to get paid commission. I have a property inspection fee on my most recent invoice and have just received paperwork to modify the loan. Repeated calls to the company have resulted in hours on time on their automated phone system. I have no intentions of modifying the loan. Mid island mortgage is illegally trying to modify my loan and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am asking for some help here, please! My life has been very difficult and US Bank is making it harder for me. I had all of my credit cards stolen recently and I have spent weeks disputing transactions and trying to get new cards mailed to me and in the process I signed up to monitor my credit and I was so shocked to find that US Bank was showing me as 30 days late for XXXX of XXXX. I had resolved this issue that same month when I called and told them that I had never received my bill/statement and a new one was sent out to me. I noticed a few weeks later that they had notified all 3 credit reporting agencies that I was late 30 days, yet they had assured me I was not and apologized for my lost/stolen statement. I called them and spoke to a XXXX who saw that I had an issue receiving my statements and he said to me that the 30 day late would be removed. I asked them to send me a letter confirming this and they did, but unfortunately since this was years ago and my work briefcase along with my personal bags were stolen from my car XXXX no longer have this letter. Why was this information not updated like they said it would be in XXXX? this is so damaging to my life and my financial business and yet they had assured me that this would not be on my records or held against me. I am so frustrated and saddened that nothing was done and here I am 3 years later stressing this ridiculous issue again while I am making trips to the courthouse to prosecute the thieves that took off with my briefcase and credit cards. 

I wrote them a VERY kind letter, which I have attached here so that the CFPB can see the issue at hand as well, and they DENIED me so coldly and without ANY sort of explanation investigation. The letter explains NOTHING and only confirms whatever they want it to confirm.It is apparent to me that they do n't want to change anything because they do n't want to be wrong. but they are reporting this inaccurately. they said one thing and have done nothing. No phone call is transcribed here which would explain everything form XXXX and no managers name are shown here either to show whom I spoke to initially. I formally request that letter again, I know that they have it on file because they sent it to me, so it should still be there and noted that my calls were made. It would be unprofessional for them to deny me this. I was NEVER late! 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 non-monetary relief