vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2017, I received and alert and a phone call from my bank, XXXX, with an alert of possible fraudulent activity. At XXXX, I received a message asking if I had made money transfer. At XXXX, I responded that I had not made any transfers. At XXXX, I received a call from my bank and my account was frozen for my protection. 
I immediately tried to sign into my American Express Serve account to no avail. At XXXX, I called American Express customer service to report the problem and discovered that my account had been hacked and my password had been changed. Someone had made transfers in the total amount of {$930.00}. The representative gave two names and asked if I knew them, which I did not. The names I was given were " XXXX '' and " XXXX ''. I do not know these people. I was reassured that the matter would be investigated, and the persons involved would be prosecuted. I was thankful to know that I would be protected from this fraud. 
On XX/XX/XXXX, I received two emails, one notifying me that the investigation had been closed, that I was in violation of my account agreement, and that my account had been locked and my account privileges suspended. And the other stating that based on their investigation, they determined that no error occurred and that the transactions in question were authorized. They also stated that I had the right to review any documents they relied on in making their determination. 
On XX/XX/2017 ; I mailed a request for this information, using certified mail with a signature card. I sent it to the address given and it was signed for on XX/XX/2017. 
I still have n't received and documents showing how they made their determination. I have called customer service on numerous occasions and several rep have claimed that they would send my concerns to their investigative team and I still have heard anything and no one will give me a number to call the investigative office, claiming they do n't have a number to give me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Collections U.S.A., L.L.C.
State: CA

Complaint narrative:
Credit Collection XXXX is trying to collect a fraudulent debt on behalf of XXXX for {$600.00} I 've contected credit collection XXXX and disputed the charge with them as well as experian. 

The collection ceased for a couple months and has returned. I 've never lived at the address where these services were used and have credit fraud monitoring, a filed police report, and have never been a customer of comcast, however these services were still allowed and now CCXXXX is pinging my credit for a bad debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased and pay off a XX/XX/2008 XXXX XXXX. It was financed with Santander Consumer. I made payments on time. However, Santander Consumer is reporting to all credit bureaus agencies XXXX late payments. This negative feedback is affecting my credit report. I am not able to get approve for a new car loan. I need a new car in able to go to work. I am desperate and I need your help. I have done some research and it seems that Santander Consumer is notorious for malpractice with consumers. 

Below are several sites that show filed complaints against Santander Consumer. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: National Asset processing LLC
State: TX

Complaint narrative:
Impersonated and represented herself as XXXX XXXX XXXX XXXX XXXX. Threatened my work. Numerous harassing phone calls to my work. Will not stop. No debt validation letter by U. S. mail. No physical address. Said she was XXXX XXXX. Think it is National Asset Processing or XXXX XXXX XXXX XXXX. Also a XXXX XXXX. XXXX. XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Winn Law group continues to pursue me on a debt that was charged off in XX/XX/2011.I have asked them to stop calling me & harassing me so now they have threatened to file a judgement against me and continue with collection efforts. I have let them know that California state law prohibits them from collection activity after 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC
State: GA

Complaint narrative:
I 'm filing a complaint against Bay Area Credit Service, a collection agency working on behalf of XXXX. Bay Area Credit is reporting negative information about a medical ambulance bill that was paid on XX/XX/2016. I have attached a copy of my receipt that was emailed to me directly from XXXX, so I 'm a little unsure why it was sold to the collection company in the 1st place. This negative information is damaging my credit worthiness & affecting my credit score. I 'm in the process of applying for a mortgage & this negative account is standing in the way of that goal. My ask is that this information is removed from my credit files ASAP & all further collection action & negative reporting cease. I work very hard to maintain my credit worthiness & I strive to pay all my bills on time. I 'm also requesting a letter ensuring that this debt is satisfied & will not EVER appear on my credits for all XXXX bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
When my home loan from XXXX was sold to or contracted for servicing by Ocwen, an escrow was assigned without my consent. The payment amount tripled. I was charged additional interest and fees for nonpayment of those amounts. In short, Ocwen refused to retake control of my note under the original terms. The escrow amount is bogus, XXXX dollars per more than I was paying for taxes and insurance. I have been unable to reach anyone at Ocwen who can explain the amount OR refer to language in the original note that required or permitted them to take such an action. Neither would they allow me to pay just the regular principle and interest amount without applying 2/3 of the payment amount to the escrow, so I could pursue a remedy. 

Needless to say, the much higher monthly payment cause delinquencies that accumulated, but not above the disputed amount. Now they are proceeding with a foreclosure auction this month ( XX/XX/XXXX ). To make matters worse, they sent notice to my renter. ( The property is an owner occupied duplex. ) I have never been able to speak with the same person twice at Ocwen. 

Can I stop this and make them work with me to relinquish the escrow on the loan? 

A person can work with local government on the taxes, if necessary, as they have to answer to the public!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have an escrow account with my mortgage company for insurance and taxes. They did not pay my taxes for 2016 until after I was served by a constable in XXXX and called them. They paid all interest and penalties incurred from my escrow money although it was not my error. Now the county taxes are suing me for court costs for this incident for which I was not responsible. My mortgage needs to reimburse all penalties and interest as well as pay the court cost for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Cometity Bank is charging me to much interest. The interest is over the amount of my balance. It is charged on a larger amount. The account has been closed for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: IL

Complaint narrative:
I received communication from XXXX/Pendrick Capital Partner LLC that I owe XXXX for a debt that has been reported previously by 3 different agencies on XXXX/XXXX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XXXX/XXXX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
1. I have a 84 month CD with USAA - terms ended in XX/XX/XXXX 2. I called USAA on XX/XX/XXXX and requested the following - a. a copy of the XXXX XXXX from XX/XX/XXXX, and to roll my CD into a Savings Account until I decide what to do with the Money. The Representative XXXX said that this will take place, I requested to mail my XXXX and what ever else I need to do for this transaction to take place - call ended 3. On XX/XX/XXXX I called USAA back to see why I still have not received my XXXX, I spoke to XXXX first that informed me that it was not sent, and that the CD has now rolled over to another 84 month term. I said it was a mistake that it should have been rolled into a Savings Account, XXXX transferred me to XXXX. XXXX explained to me that I would have needed to fill out more information to open a Savings Account, I told him that this was never discussed with me. He researched the original call and said that the call was disconnected. I mentioned that I did not think it was disconnected as I was told from XXXX that he would take care of everything. I proceeded to file a complaint for a resolution. XXXX established an official complaint and said that they will order the transcript of the phone call. 
XX/XX/XXXX XXXX from USAA called me, said she is working on my complaint. 
XX/XX/XXXX XXXX called me said they reviewed the call - told me that the original request for my XXXX and the request for the CD to roll over into a Savings Account was made by me, but the call got disconnected ) MY COMPLAINT : 1. If the call was disconnected ( why did USAA not call me back? ) They do have information on the call where I requested to transfer my CD into a Savings Account and a copy of my XXXX. In my opinion they did not help me as a customer to complete my request. They let my CD roll over for another 84 month at a 1.01 % interest Rate. This was also not communicated to me in any way. 
2. I requested a copy of the transcript of the call, which was denied to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have alot of items on my credit report that was not opened by me I believe I am a victim of Identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recover, LLC
State: GA

Complaint narrative:
this information was shared illegally ( third party ) without my informed and expressed consent

Company response to consumer: Untimely response
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Integrity Funding Ohio, LLC
State: OH

Complaint narrative:
I applied on line for a loan and was directed to XXXX. I was a work when I applied and I take ownership that I could n't spend much time on the computer nor print out any paperwork. I was also very upset at the time I applied as I 'm XXXX only and I had to take time off work to care for my husband that has XXXX. That is the reason I applied at all. I had not received a pay check nor was I going to get XXXX before the end of XXXX or the XXXX of XXXX. I applied for a {$3500.00} loan which I was granted on XXXX XXXX. If I recieve a pay check my pays are on the XXXX and XXXX, it would not allow me to put those dates in so my payment came out on the XXXX, I called then and ask for a due date change to the XXXX, I made that payment then I got a email stating my payment was due again on the XXXX so I immediately called and said there must be some mistake I just made a payment, she informed me my payments weren ; t {$320.00} per month but every 2 weeks. I tried to talk to that rep and explain I can ; t pay {$650.00} peer month and needed to request help with changing that, She said there was nothing I could do. I was so upset I called back and ask for a manager and she said there was no one above her to talk to and my options was to pay off the loan. At that point I pulled up what I had electronically signed and was extremely shocked.at this contents of this loan. I borrowed {$3500.00} on month ago, made 2 payments and I now owe $ XXXX are you kidding, this has to be predatory lending. I never ever would I have signed for any loan like this if I was completely aware, they charged by {$4700.00} in a fee to get {$3500.00}. I own that this is my mistake, I asked to talk to XXXX XXXX XXXX the CEO and was told I had to talk to the service rep I was talking to, and that my payment would come out, I told her there was no money in the account to make another {$340.00} 2 days later. At that point I called my bank to stop payments. I again tried to reach XXXX XXXX to no avail. I have now called XXXX to see what I can do. I think this is a very bad loan and I own that I made a huge mistake, but to be told I can ; t talk to anyone or I have no recourse is not acceptable I have to try to correct this. I will try to get a loan to pay this off if they can give me a reduced pay off. A fee of more than you borrowed has to be predatory lending. I can submit pay stubs and bank statements if needed, I 'm not sure how they approved me on {$650.00} per month I would not debt tatio at all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Walwick, Inc
State: AK

Complaint narrative:
This is the letter I sent describing my situation : I recently received a letter from " Merchants Credit Association '' saying that XXXX of my bills from XXXX XXXX XXXX XXXX went to collections. I never received these bills and they were never paid for by my insurance company. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item, : Account : XXXX Date : XXXX/XXXX/XXXX Payments : {$420.00} Account : XXXX Date : XXXX/XXXX/XXXX Amount : {$53.00} After digging around all day and speaking with someone from the XXXX XXXX XXXX billing department, I am still unaware of what the bills were for, as the billing person I spoke to ( XXXX ) had no information on the bills sent to collections and had little help to offer me. She basically told me that she could not help me. After speaking to her for some time, it was determined that the billing address you had on file for me at that time was the following : XXXX XXXX XXXX XXXX, WA XXXX, However, my mailing address has been the following since XXXX ( which can be seen in my attached credit report and Alaska XXXX reports since XXXX ) : XXXX XXXX XXXX XXXX, AK XXXX In addition, my insurance only had XXXX claim from XXXX XXXX XXXX from XXXX XXXX, dated XXXX/XXXX/XXXX. A copy of this claim is attached. As it turns out, the billing company not only had my incorrect billing address, but they also had my incorrect insurance information, none of which I knew about until yesterday when I opened my letter from Merchants Credit Association ( account number : XXXX ). 

I am requesting that the items be removed from my credit report ( which will also be contested to the Federal Credit Bureau ), correct the information, and rebilled to the correct insurance company ( XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, PayorID XXXX ). I more than anything want this to be paid, but will not do so until I have the written assurance it will be removed from my credit report, as this was at the fault of the XXXX XXXX XXXX XXXX billing department and not mine. I have also filed a claim with the XXXX, which will be resolved once I have in writing that this has been taken care of. I am also requesting a detailed report of the services associated with the above dates.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I signed up for the BARCLAYS GOLD CARD and was offered all annual fees waived according to my initial terms and conditions. I since have received notice that will no longer apply as of XX/XX/2017. After having the card over a year they decided to send out letters saying that they will now be instituting an annual fee starting the end of XX/XX/2017. I know its a good deal but are they allowed to change the contract after they have already promoted and offered the initial contract. Should n't that be a grandfathered in situation due to the fact they lied about the card to get you to sign up then change the rules using a loop hole.

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 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
I filed Chapter XXXX Bankruptcy and they are still reporting every month negatively on my Credit Report as well as, contacted people I know about Debt I no longer owe. Please remove this from my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have written three letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.

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 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Valarity, LLC
State: OK

Complaint narrative:
Medical debt turned over to a collection agency has called repeatedly and latest call was a lady named XXXX XXXX who said she has received several complaints about me and needed to discuss them, this was left on my voice mail. Very unnerving and rude. I want these calls to stop! Obviously if I could XXXX would pay this debt. It is XXXX of several medical bills I have accrued this year and am doing my best.

Company response to consumer: Untimely response