vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
My wife & I purchased a mattress & a head board from XXXX XXXX XXXX. During the time we were buying the product we were in the middle of buying a home & could run our credit/ spend cash. We asked the owner about their promo & we see you have a promo going said " Get any product & finance for up to 12 months with " XXXX XXXX '' same as cash no credit checked need no down payment & etc. We asked all questions before agreeing to sign any documents & getting our products but how ever when inputting our personal information on XXXX XXXX Desk top. I notice a fine print saying if I do n't pay off the iteam in 3 months interest would add on & I would pay 40 % to 50 % more then what the item cost. I asked the owner why the fine print saying I would pay more if I do n't pay in 3months? He said " Oh disregard that! I have my finance guy take good care of you. '' & I do n't have to worry. I went ahead got the both items with my wife paid a {$50.00} each the Application ... but then during that time I also bought a Queen size frame cost {$77.00} & during check out the owner wife came & help but then she added everything thing up on the invoice & had me pay not realizing {$50.00} was supposed to go to XXXX XXXX. She discard everything her husband was doing. started an argument then a couple day 's later we got documents from XXXX XXXX & saw the item price we finance if is not what we agreed on in the store & sighed for so I called both companies. but was very rude to me like I did them something & also the rep told me please just pay her bill & ended the call. left looking foolish & do n't know what to do. I was side track from buying new home & getting a job that I forgot to file this complete from months ago. how ever I called again I later was told that fee I paid was a penalty if I what to pay of my items earlier then the 3 months & supposed to pay {$40.00} for the application & {$50.00} for early pay off. But in the store the owner charge my wife & I {$50.00}. I went to the store try getting back the money they refuse to refund us. I went back & forth with XXXX XXXX & the owner of store. Both refuse to help. Oh yes & on top of that I was told I had to pay the {$50.00} fee again they did n't get my application fee. I have now over paid for the product & also my wife & we really, really need your guy 's help because we are being told that now instead of the original cost at the end of the 12th months we are paying 3 time over what the item cost. That 's clearly a ripe off!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of TransUnion inquiry glitch, Contacted TransUnion for help, but did not receive any 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 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Bank of America I put two " Stop Payments '' on my checking account ending in XXXX on XX/XX/XXXX. One was for " XXXX XXXX '' and the second was for " XXXX XXXX XXXX '' ( these are really the same company, they changed names ). I also put a " hold '' on this account so money could be deposited but none could be withdrawn and I transferred all funds except {$1.00} to my other checking account ending in XXXX. <P/>The check # XXXX was changed to a " Check Conversion Voucher '' and honored on XX/XX/XXXX. The bank used my overdraft protection and took the funds from my savings account in the amount of {$490.00}. <P/>I received two Stop Payment Request Letters from Bank of America dated XX/XX/XXXX. I am sending the one copy, however, I accidentally shredded the one for XXXX XXXX XXXX and the bank said they could not send a copy because this is an automatic letter when stop payment is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient  Student  loans various accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: KY

Complaint narrative:
I logged into my AES Success account, where my student loan is held, on approximately XX/XX/17 and noticed that my interest rate had gone up. I am on a variable rate plan but the company did not notify me of this rate change as they have in the past and I have no idea what my new payment amount is going to be, which is due to be automatically withdrawn from my account in three days ( XX/XX/17 ). I contacted the company to ask for a notification of the new payment terms and twice received the response that my rate is subject to change with the market rate quarterly, but still have no documentation of my repayment terms with my new payment amount. Under my loan payment details I can find a monthly payment amount for XXXX of the XXXX loans, which appears to be the same as my previous monthly payment amount, and the other XXXX has dashes where that amount should be. I sent a third request today, XX/XX/17, asking for details of my new repayment terms and new monthly payment amount and am awaiting the response, which is first come first serve so it could take days. I would like to be notified in advance the next time my repayment terms change as I just happened to notice the new interest rate after signing into my account, without any notification from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: PA

Complaint narrative:
I use a app called XXXX XXXX in which I am able to get money daily for the work I do. They front the money to me and my account is automatically debited on my payday. The problem is my bank does n't send the info fast enough to active hours so that they know they were reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I have an app called XXXX in which I can deduct money from the hours I have already worked and deposit it into my account. However the app has to see that I got paid via direct deposit. The bank lags or takes its sweet time to update and post the direct deposit information. Sometimes it can take as long by as 2 business days. Other banks like chase update their information much much quicker

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NJ

Complaint narrative:
Re Account XXXX afni, XXXX XXXX XXXX IL Anfi attempted to collect debt of {$45.00} they claim I owe XXXX. I requested details supporting the billing from anfi and they supplied support for credits in 2015 of {$63.00} but provided no support for debit balance of {$100.00}. <P/>No date or description of service supported the {$100.00}, just " prior balance '' I have requested support from anfi for the prior balance of {$100.00}. <P/>I am disputing the legitimacy of the XXXX/anfi billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX my father was found dead in his home in XXXX. Has his eldest daughter the responsiblity fell on me to see that he was laid to rest respectfully, has a result i had to take time of from work take my kids out of school and go to XXXX to make the neessary arrangements. My father was laid to reston XX/XX/XXXX, however this event cause me to fall behind on my mortgage and other bills. Since then it has been very strenuous for me to get caught back up on my mortgage resulting in my action to file bankruptcy which was discharge. Upon my bankruptcy discharge i filed for a loan modification with my mortgage company whish was approved on XX/XX/XXXX. The aggreement was that i was on a trial period plan and that i must pay {$650.00} on XX/XX/XXXX ,XX/XX/XXXX and XX/XX/XXXX and when those payments are made they would send a some documents for me to sign that will finalize the loan modification. After making XX/XX/XXXX and XX/XX/XXXX payment on time i received a letter stating that i was denied my loan modification due to not signing the trial agreement. I call Ocwen to let them know that i didnt received any such documents and if i did why would i not sign it. I explain to them that this is my home and the only home my kid have why would i not sign that papper and send it back. I keep telling the man on the phone that i never received the document he then said to me that it shouldnt be a problem he reasure that all would be ok and that he will email me the form to sign and fax back to him which i did that same day on XX/XX/XXXX. I call back a few days later and i was told that i have to apple for the loan modification all over again which i did and i seem to get is the run around and no answer. Now i was summons a forclosure notice which im trying to get help with. At this moment i dont know what to do or where to go. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
COINBASE. company name trades XXXX. Transfer {$250.00} FROM MY CREDIT CARD to trade XXXX. Transferring to them and trade coins has no problem. But you ca n't take money back from them. Its blocked in all possible way. No customer support Im trying to reach for 2 weeks. No reply. Cant take my money back. They made process hard to get out. Verifying my wire bank is a one of them. I do n't understand how can I verify my wire bank? They do n't explain. They simply not answering. they have all wire info from my ( chase ) bank. Nothing more you need to accomplish this task. Looking at the complains online I found similar problems with lots of people, and Im wondering how in the world they still there scamming people? Please take some steps to investigate this fraud. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I am behind on my mortgage, but I am still making a payment and have managed to stay mostly 1 payment behind. I have been receiving letters and statements that are inconsistent, so not reflect my payments, contradictory and most recently threatening to initiate foreclosure proceedings on X/XX/17 for an amount which is unclear to me. For example, my XX/XX/XXXX statement shows no payments made, but I received several 4 letters dated X/X/17 saying that a payment of {$950.00} was received, 1 letter dated X/X/17 saying a payment of {$980.00} received & a letter also X/X/17 saying that a payment of {$960.00} was received. These payments are not reflected in a suspense account or any statement I received. I received a package dated X/X/17 for assistance saying I am 31 days late, contradicting the payment letters & statements. I then received a letter dated X/XX/17 saying I was in default & needed to pat {$2000.00} by X/XX/17 or foreclosure proceedings will begin. It is unclear to me what amount I owe, why payments have n't posted on my statements & why my past due days are inconsistent. I have also been charged legal & property inspection fees that do not seem justified.

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 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WESTERN MASS CREDIT CORP.
State: CT

Complaint narrative:
on XX/XX/XXXX a debt collector called me and was trying to collect on a debt from 4 years ago. The name was western mass credit. The guys name is XXXX. <P/>He states that I owe over 3700 dollars for a debt. I say well i never received a letter from you or anything. He said he just pulled my credit. I said ok .... He went on to state that I had the ability to pay for the debt because he could see a credit card that I recently had opened. He also went on to continue manipulating me and stating that he could give me a deal if i pay today. he said i see you were affiliated with the military  ( because of my financial institution ) and i am going to give you half off.. well he emailed me a copy of the debt!!! he manipulated me into paying the amount based off the credit card that I have and he also never said this is an attempt to collect a debt!! <P/>he abused me over the telephone and manipulated my credit to me in order to receive payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
The XXXX XXXX XXXX, XXXX, at XXXX XXXX, XXXX, ME XXXX, telephone number ( XXXX ) XXXX claims that I owe them {$370.00} for medical services that I received at Doctor 's Hospital in XXXX, Maryland. They claim the service date was XX/XX/16. My name is XXXX XXXX XXXX, patient account number is # XXXX. The provider 's name is XXXX XXXX. Back on XX/XX/XXXX, I contacted their office and I explained that I have Veteran 's health insurance which is my primary health insurance and XXXX which is my secondary health insurance therefore ; they would need to send the claim to the right one! They stated that they would take me to court. Now, this is the only provider that is claiming that he has not been paid. To my knowledge this debt has been paid or the claim was not sent to the right health insurance. So, I just received yesterday a letter from Schlee & Stillman , LLC, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. The telephone number XXXX. This company is claiming that they are the debt collections company trying to collect this alleged non paid debt. I contacted them yesterday by telephone to inform them of the matter and I was told I need to provide them with information over the telephone that I was not comfortable with providing. Moreover, the letter is dated XXXX XXXX XXXX, and it claims I only had 30 days to dispute the debt! But I just received the letter yesterday on XXXX XXXX XXXX. Therefore, this must be some type of scam or fraudulent company that I respectfully request that you use the law to arrest and prosecute them. If you need any additional information from me please let me know. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: IN

Complaint narrative:
Commonwealth Financial Systems, Inc received a letter called them and set-up payment arrangements starting in XXXX XXXX of {$50.00} a month then in XXXX XXXX I started paying them the {$50.00} from my bank account and {$130.00} from a card. I have agreement with them and Commonwealth is still saying I owe them money and I have the bank drafts and card statements to proof that they was taking the money and they should be paid in full actually they was overpaid according to the agreement we have. This is still on my credit report and I have emailed them the bank drafts and card statements to proof and they still refuse to fix it. The last time I talked to them on the phone a supervisor got nasty with and tried to tell me that I had made my payments when I had sent them the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: CT

Complaint narrative:
The address that this company has listed as the address where the services were used, is an address that I have never lived at. I have been disputing with the credit bureaus about this as well.

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 2017-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
My wife and i purchased a home that was originated through a local lender. We closed on said loan XXXX XXXX XXXX. Upon closing, we were advised to provide our 1st payment ( due XXXX XXXX XXXX ) to the originating lender. On XXXX XXXX, we provided the first payment to the lender, whereas by letter dated XXXX XXXX XXXX, we were advised the loan had been transferred to Freedom Mortgage ( " Freedom '' ). On XXXX XXXX XXXX, i received a call from Freedom that our payment was past due. I explained to the collector that the payment was made to the originating lender. I then called the originating lender who informed me the payment was not cashed by them yet sent directly to Freedom. I checked my bank records and the payment was negotiated with an endorsement to Freedom on XXXX XXXX. I called Freedom and notified them of same along with providing evidence the payment was negotiated by them. The Collector adamantly stated the payment was not made to Freedom. Once again, i informed the collector " ... your firm cashed the check and you have evidence of same ... '' The collector stated further research is needed. I asked if you have not applied my funds to the account, where did they go? No response, other than, they need to check. While on vacation last week ( XXXX XXXX XXXX ), i received another call from Freedom seeking to collect funds already provided to them. I advised them to not call me anymore and find my payment. During same call, we made the XXXX payment over the phone.

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 2017-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
bank of America transferred my loan before my  1st payment is due for a modification i received a notice about my escrow having a su rplus over {$5000.00} Bank of America has not mailed the check .... my question is this .... where is this money? if the loan is transferred why are they trying to keep the money? the letter was dated  XXXX   XXXX  BEFORE the loan was transferred ... ... ... ... ..

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 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Louisiana Bureau of Credit Control Inc.
State: LA

Complaint narrative:
Reference Policy Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX Door Sedan # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates were XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges. <P/><P/>Previous employees resided in XXXX XXXX Homeowners Association identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency. <P/>I have been threaten since XX/XX/XXXXwith violence, disclosure of private information and destruction of personal property. <P/>Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). <P/>Malfeasance in office by XXXX 's Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX Parish Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone : XXXX Fax : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX

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