vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have an unverified account from Speedy Cash I had previously disputed this account. I have never done business with Speedy Cash.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request Speedy Cash Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Speedy Cash Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
Long story. 
Sometime in XX/XX/XXXX, ocwen imposed lender placed insurance on our residence claiming we dont have insurance. Back and forth after 2 months ocwen acknowledged we had insurance and retracted the lender imposed insurance. 
Since last 10 years we never skipped a single mortgage payment every one is ontime. 
Ocwen started sending demand letter paying some late fees which we dont know. 
I have a record of all the payments made to them via bank online. 
Last 3 payments, Month of XXXX, XXXX and XX/XX/XXXX they put entry in the credit report as a late payment. 
I m getting not a satisfactory answer with them. 
I need remedy for this. Our application for home equity loan with bofa has been denied even though we have XXXX equity in our house. 
Our loan number XXXX Toll free XXXX XXXX XXXX. 
Pl help us

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Collections Corp.
State: NY

Complaint narrative:
I received a second call today from a XXXX, claiming to work for Absolute Collections, a debt collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( information I got from their website ), and claiming to represent XXXX, a pay day-type lender located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( also website ). 
XXXX called on my cell personal cell, looking to collect on a loan supposedly made by XXXX to my wife, the repayment of which, after several delinquency charges, totaled several thousand dollars. My wife has never borrowed cash money ( other than as co-signer on our home mortgages ), and has never heard of XXXX. 
Neither my wife or I have ever received any money from XXXX, nor any written correspondence from XXXX or Absolute Collections. I dispute any claims they make.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
dept XXXX and in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am trying to link my XXXX account to my TD account and TD will not allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I notice a late charge so I call direct to ask why I had a late fee and they told me my escrow was short so they took it out of my payment that then shorted my payment. 
Then on XX/XX/XXXXI received a paper starting my escrow account was short XXXX I called to ask about it and I feel They could answer my questions about it also on my XXXX payment it showed I had a XXXX cent late bee charge I have not called about it due to me calling my accountant on it and she noted I need to report this to you guys.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I disputed a collection that stated i owe {$490.00} which is with XXXX XXXX. Account number being XXXX. The creditor responded back in a timely manner with a statement saying they verified the debt and its 's mines. Defiently not true. I then wrote back and ask them how did they verify this debt and please provide me with an original contract of some sort with my signature on it which should have my correct spelling of my name. All paperwork that has been forwarded to me also the credit bureaus has misspelling of my name also.

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 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I closed the Discover Card and they charged me the amount of {$84.00} I owed to XXXX XXXX. However, Discover card has not paid the amount of {$84.00} to XXXX XXXX. Discover card stole my money of {$84.00}. XXXX XXXX is still asking me to make this payment which if I make will be a double payment. I still want the Discover card to be closed. Please make them pay the amount of {$84.00} to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
In the last 60 days, I attempted to acquire a XXXX home loan from USAA. 
During the initial process I was asked to lock in a rate. What was not mentioned was that there is a penalty if not closed by the time the lock expires. This was not mentioned until after the rate was locked in and closing was approaching. I was offered the opportunity to buy my way into a better rate. A common practice these days that would be called bribery in any other dealings. The problem here was that the amount of bribe money ( points ) was not comparable to the amount of savings over the course of the loan. 
All documents requested were provided promptly and within the closing window. What would have been helpful is if the list of necessary documents and explanations were available up front. Once their list of demands from the underwriters was satisfied a new list of demands would come up. This happened several times and led to not making the closing date. One particular item of contention was the underwriter 's inability to comprehend investment withdrawal documents that spelled out money transfers and deposits. You would think this sort of thing would be easy for people that are required to track money all day every day. There are many things that USAA does well, mortgage underwriting is not one of them. 
No matter how all the process went there was always someone with their hand out wanting more money to make this loan happen. From paying for a better rate to paying for rate lock in that was exceeded because of them to paying to get a rate after being convinced to withdraw one application and start another in order to save money, just to have them try to take it back out of my pocket. There was an offer for zero origination fees that came up and would save me over {$1000.00}. What came up after the fact was the detail that it would cost me nearly that much or another 30 days waiting to get an interest rate. 
Every part of this process and any time I have dealt with home buying at all there is no end to the crooked money grubbing garbage that is passed off as legal process. 
Something needs to be done about the unending chain of paperwork and underhanded misdealing that these banks and financial institutions are using to get one over on XXXX and XXXX XXXX. 
The bottom line of this whole thing is that I would have paid this loan completely and timely. These buffoons simply screwed themselves out of all that interest money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT

Complaint narrative:
We had been applying for a modification with the original lender, XXXX XXXX, but then they sold the loan to a thieving deceitful company, Rushmore. We fell behind because there was severe damage caused to the house over 2 years ago by a pipe bursting ( not due to our actions we were not held at fault ) but XXXX refused to pay and we used all our money to save the house. The lawyers knew XXXX was wrong but they won anyway, not because they were right ( they finally came to court prepared to pay ) but the judge got " impatient '' with them and dismissed the case!!! So this disgusting company Rushmore is XXXX bent on foreclosing. They are snakes. We had been trying to reach them for months because the mod was not complete with XXXX XXXX, and XXXX XXXX told us just give them that last piece of info on hazard insurance to Rushmore. No Problem. Then we call Rushmore and find they have moved the foreclosure date from XX/XX/XXXX to XX/XX/XXXX, no reason, and have not allowed us to short sell which XXXX XXXX did allow. We had the 37 days required but they did not call us UNTIL IT WAS TOO LATE. Our realtor calls them every day now asking for a little extra time to short sell the house but they wo n't call back. They are forcing us to foreclose because it benefits them. We have been told that Rushmore has no interest in working with customers but makes their money on foreclosures. If this is not resolved and we are not given the few days we 're asking which would allow a short sale, we will take this to Federal court and all consumer agencies online and elsewhere. This is deliberate destruction of a consumers credit. I have now used both my adjournments to move the foreclosure date first to XX/XX/XXXX, then to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAA Collections
State: ND

Complaint narrative:
In approx. XX/XX/XXXX I was in the XXXX hospital for a XXXX   XXXX XXXX XXXX. After one week I had to learn to walk again. Someone from XXXX XXXX   wanted to know if I needed or wanted a walker. I told them, only if Medicare & Medicaid would cover it. They came back several hours later & said it was covered. I went home & approx. 1 year later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX. that I needed to pay {$120.00} for the walker. I called them & talked to the manager who told me that I am responsible for the debt. because she had reimbursed Medicare & medicaid for the amount because it was a work comp. claim. I told her it was not & she said " Yes it is ''. I told her it needs to be re-filed to Medicare & Medicaid but she said NO. I told her I will not pay it so she sent it to AAA collections. I sent a letter to AAA collections & XXXX XXXX XXXX. to cease & disist but AAA collections continues to call & send notices 4 years later. I have talked to several people at AAA but to no avail. I have told every person there that I talked to about this but got no where. Right before XXXX XX/XX/XXXX I spoke with someone that said they would try to resolve this because it has been so long but all they asked for was my credit card #, Bank statements, & Tax forms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mom had two accounts at Capital One 360. One, account number XXXX with {$78000.00} was a savings account. The second, account number XXXX in the amount of {$85000.00} was a money market account. I was joint account holder on both accounts. Mom passed away XX/XX/XXXX. I notified Capital One and provided a copy of her death certificate as requested. When I checked the accounts on XX/XX/XXXX, I noticed that Mom was no longer on the accounts. I was listed as the only owner on the accounts. When I checked the accounts on XX/XX/XXXX the money market account was GONE. It does n't show up when I login. Nothing - not a note that there was a problem or anything. I contacted Capital One 360 customer service, expecting that it was merely a computer glitch on their end. What I was told is that they have restricted the account because of questionable activity on Mom 's profile and that they restricted the account because her name is still on it. First, the activity was most likely me attempting to log in with her access to verify that it was disabled and her account shut down. Second - How did Mom 's name get BACK on the account that I was sole owner of on XX/XX/XXXX? Third - Why was I, the account owner, not notified if there was a problem with the account? On XX/XX/XXXX I had complete and solitary access to {$85000.00}. Today, it 's gone from my account. I ca n't see it, restricted or otherwise. Capital One says that they show me as JOINT owner on the account but effectively, they have stolen {$85000.00} from me without notification. 

I have attached a copy of the XX/XX/XXXX statement showing account numbers and myself listed as Joint Owner on both accounts. I have also attached the letter from Capital One showing that account ownership changed from Joint with Primary Owner to Individual Primary Owner, dated XX/XX/XXXX. ( I saw this change on the XXXX online but it was a holiday - thus the official letter dated the XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One as NOT addressed the issues in my complaints. There is no contract or agreement for me to pay the charges on my credit card after XXXX XXXX, 2017 by XXXX XXXX XXXX XXXX XXXX. I never gave XXXX XXXX XXXX XXXX XXXX permission to use my credit card after XXXX XXXX, 2017. There is no proof I made the purchases charged to my credit card. Capital One has repeatedly required me to prove I did not make the purchases, did not give permission for my credit card to be used. It is impossible to prove you did not make a purchase or give permission. The vendor has the responsibility to PROVE the customer made the purchases, agreed to pay, gave permission for the credit card to be used, etc. Capital One has NEVER PROVIDED ANY PROOF I MADE THE PURCHASES, AGREED TO PAY, OWE ANY MONEY OR GAVE PERMISSION FOR MY CARD TO BE USED. 
Capital One keeps sending letters saying THEIR RESEARCH INDICATES SOME ONE ELSE AUTHORIZED ON MY CREDIT CARD GAVE WRITTEN PERMISSION FOR MY CARD TO BE USED. I AM THE ONLY ONE AUTHORIZED TO USE MY CARD. THE VENDOR HAS NOT PROVIDED A CONTRACT OR AGREEMENT SIGNED MY ME. THE VENDOR HAS NOT PROVIDED ANY PROOF I MADE THE PURCHASES. THE VENDOR HAS PUT CHARGES ON MY CREDIT CARD THAT ARE ERRONEOUS. Capital One has threatened me with fees and interest if I did not pay the charges on time. Capital One refused to put many of the charges in dispute which should require the vendor to prove they are legitimate. NOT ONE CHARGE ON MY CREDIT CARD BY XXXX XXXX XXXX XXXX XXXX HAS BEEN SHOWN TO BE LEGITIMATE. FRAUD IS ILLEGAL. CAPITAL ONE IS SUBORNING FRAUD, EXTORTION, PRICE GOUGING, ETC. BY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CHARGED ME AN ADDITIONAL FEE OF {$550.00} TO USE BLANKETS DURING THE MOVE THAT ARE SUPPOSED TO BE INCLUDED IN THE PRICE. XXXX XXXX XXXX XXXX XXXX STOLE 4 OF MY PACKING BLANKETS AND NEVER GAVE ME ONE CENT FOR THEM.

CAPITAL ONE HAS NEVER ADDRESSED ANY OF THESE ISSUES IN MY COMPLAINTS. WHY? WHEN IS CAPITAL ONE GOING TO ADDRESS THE ISSUES IN MY COMPLAINTS?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22 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: NC

Complaint narrative:
Contacted XXXX XXXX XXXX XXXX on XXXX XXXX2018 @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXXXXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received a letter from Citizens Bank dated XX/XX/XXXX on XX/XX/XXXX, attempting to collect a negative balance of {$260.00} in my checking account XXXX. This amount is entirely made up of bank fees and overdraft charges created by a creditor debiting my account without permission or authorization. I have notified the bank by phone and mail about these circumstances, but have not received a positive response. 
I respectfully request that Citizens stop their collection process. I have been a customer of Citizens for 20+ years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA., XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I have 3 student loans with XXXX and I have paid off two loans before the deferment period. I paid off by calling them in person and asked for the latest balance and paid the balance on the same day I called to ask the balance. After I have paid off the two loans, I received the letters from XXXX that my loans are paid in full. I check my online account nearly every week and the two loans I paid off disappeared from my loan list. So I was sure that I have paid them off and I am in the clear. Months later, I saw that there were some balances on the two loans that I paid off suddenly. When I called and ask XXXX, customer service can not give me the answer and just told me to wait for unknown amount of time and they may send a letter in the mail after they ask some other department. I asked to transfer me to this department to get the answer and they said they can not do that. 

If a student can not even trust that her loans that she thought were paid off were not paid off and accumulating interest without her knowledge. Then why XXXX sent me letters that I have paid off my loans? This is very irresponsible system and should be fixed. If I can not trust this, now if I paid off what is left again, how can I be sure that I wo n't see any surprise balances two or ten years later? And worse, if I do not check my account because I was under the impression that I have paid off my loans. 

Below, I attached proofs of my last 4 statements : from XX/XX/XXXX-XX/XX/XXXX, where two loans I had paid off not even show up on the list and suddenly in XX/XX/XXXX, it showed up. How can I as a student trust this institution?

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