vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
On   XXXX   XXXX  2017    I sent o ut a request for debt validation to the company AARAGON COLLECTION AGENCY in regards to ac counts  XXXX  and  XXXX  ( letter attached ). I have yet to receive any correspondence in regards to debt validation I disputed this company with all   XXXX    credit reporting agencies  as " no contract unknown debt '' I am in no legal binding contract with AAROGON AGENCY and I requested that the accounts be deleted or debt validation be provided. The have removed one ac count from my  XXXX  report but both accounts should be removed from all   XXXX   credit reporting agencies.

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 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On Tuesday  XXXX  some items were presented to my account to cause it to overdraw.   Money was transferred from my ways to save account to my checking account to prevent this The amount I was overdrawn was {$13.00} and change, and the bank transferred {$54.00} from ways to save  One of t he items was an ach payment to   XXXX   XXXX   which was in a pending state, so no need to transfer funds that day, as I could still make a deposit that day once I received the alert.   I did make a {$40.00} deposit that evening While item was still pending.   I was charged {$12.00} for this privilege to move my own money!!!   I complained to the bank about this, and said I wanted the {$12.00} returned As I had made enough of a deposit to cover overdraft. I also had a direct deposit at   XXXX   XXXX   for  XXXX  dollars!!!   The bank returned {$3.00} to me from the {$12.00} fee! I complained several times, and just got double talk.   I am sick of this bank, and their fraudulent ways of making money!   I want the balance of the {$12.00} that they took from me returned.   They have stolen tremendous amounts from me over the years in overdraft fees Due to how they present payments ( high to low order.   Something needs to be done about stealing money from working people Pls help Thank you

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 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The original debt from the   XXXX   XXXX   XXXX   XXXX   was {$5000.00} and I had paid it down to {$4300.00} by  XX/XX/XXXX  it was {$3800.00}. On  XX/XX/XXXX  I was served court papers at   XXXX   XXXX  ., from The Best Service Company. I called them to find out why were they doing this and   XXXX   XXXX   stated that I told him not to call my job any more so he is suing me! I tried to explain that by him yelling at me and threatening me is not allowed. He then stated that if I wanted to stop the court proceedings I would have to pay the clerk of the court fees of {$220.00} the first payment and then the second payment on  XX/XX/XXXX . In  XX/XX/XXXX  I was placed on disability and was not receiving my full pay so I called the companies I owed the situation. I could not contact The Best Service Company because I did not have a phone number nor an address. I received a letter on XX/XX/XXXX  from the Best Service Company stating I have missed three payments of {$120.00} a month and I need to cure this default of {$370.00} in 10 days. I borrowed the money and I have been current. I called   XXXX   XXXX    on XX/XX/XXXX  to ask if I could pay half of my debt which at that time was {$3400.00} with  XXXX  payment.  XXXX  said when you get the money to call him back. On XX/XX/XXXX  I called him back but he did not answer the call. I left a msg that I have borrowed {$1400.00}. I called again the same day and he answered and right away he was rude and would not take the money I offered, but he said I was late with my payment. So I paid {$120.00} and hung up the phone! Yesterday I received an alert from  XXXX  regarding my credit score! I signed on a it was the Best Service Company it had said I was seriously delinquent on XX/XX/XXXX ! I called   XXXX   XXXX   and I was hysterical and crying trying to explain that I have been trying to fix my credit score and you stated I was seriously delinquent. He yelled at me " you do not tell me what I can do and matter you are being rude to me and when you learn how to talk to me you can call me back. So I told hi I am not being rude but how does he think this is fair! He stated that as of right now the amount you owe is {$3800.00} you were late this month with your payment and if you are late again it will go up again! I will never be able to pay this off if he continues to do this, please help me!

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 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview is woefully understaffed for the loans they are servicing. They never answer the phones and it takes and rarely respond to email requests. They have acted with gross negligence handling this short sale request and borrower is being unnecessarily forced into foreclosure due to Bayview negligenc e.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
This letter is regarding account # XXXXXXXXX, which you claim I owe {$170.00}. This is a formal notice that your claim is disputed.
<P/>
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
<P/>
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
<P/>
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
<P/>
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
<P/>
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
<P/>
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
<P/>
Sincerely,   XXXX   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 2017-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Assistance Inc
State: WA

Complaint narrative:
Contacted by  XXXX   XXXX  from  Financial Assistance. As ked her to send me proof of the contract I signed she refused and started yelling how she will sue me and tried to get my address so she can serve. Would not let me get a word in, just kept yelling and making threats. I also told them before not to contact me on my personal cellphone number and she still did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
the loan was modified b y Ocwen loan servicing but i could not make payments on the Loan because they lost my mortgage modification papers twice after approving them .by the time they finally fixed my loan the loan was kicked off by their system.they closed the loan and said and put in my credit report that loan was charged off as a bad debt. they actually sold the loan to another company and I am actually paying on the loan .Ocwen loan servicing  has committed an act of fraud against me.

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 2017-06-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing my credit score drop in  XXXX  points from mortgage inquiries. According to  XXXX  my on time payments are 100 %, my oldest credit line is 9 years, credit usage is 29 % and my new accounts in the last 2 years are  XXXX  and below average. I have been looking to pull more equity out of my home. I believe its current market value based off of comps is {$150000.00}. I have inquired twice with mortgage lenders,  XXXX   XXXX  and   XXXX   XXXX  . In  XXXX ,  XXXX  and  XXXX     2017 my  credit score was in the  XXXX . In  XXXX  it dropped by about  XXXX  points to about  XXXX  due to a mortgage inquiry on  XXXX   XXXX     2017. I   reached out to the agency to determine why it plummeted so far, and after hours online and on the phone posted a complaint. I did not like their terms or rates and inquired with   XXXX   XXXX   within  XXXX  weeks. I received a notice today from  XXXX   XXXX  indicating my Credit score is  XXXX . My credit wise shows it as dropping  XXXX  points to  XXXX , but will update in a week. I believe there is a major discrepancy and that while my score should have dropped a little,  XXXX  points is absurd. I have included the letters and info detailed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I was a loyal Best Buy credit card holder for years. I used my in-store credit to make purchases at Best Buy, which also let me pay with no interest on certain items, very handy. Last year Best Buy, in conjunction with  Citi, enabled these Best Buy in store cards to morph into a credit card. Here lies my issue ... .no action needed on my part. So, after forgetting about the issue, my card turned into a Citi Visa able to charge wherever Visa accepted.  So of course I used it ... my interest rate is 24.99 %. I find this wrong, in that, by letting them use the no action on my part, to constitute permission, to turn my in store card to a credit card usable anywhere. Here, guy with a drinking problem, here is a bottle of  XXXX   XXXX , you do n't have to use it, but feel free to if you want to!!   This should be illegal ... ONLY with a customers consent should they have been able to do this switch, not just because of inaction on my part. I would have done nothing otherwise. My credit is good, I have no issues paying for this ... but, its wrong. Wrong on top of wrong. Doubt guys at  XXXX   XXXX  thought much of what they were doing at the time 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 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in  XXXX   XXXX , MS  .  I contacted the  Judgment Court and was told that Tower Loan would have to notify them that the Judgment was satisfied. I filed a dispute with  XXXX  Credit  and nothing changed. The amount due has always been  XXXX  on the Credit Report but it needs to sta te Amount Satisfied. I h ave been unsuccessful having this changed by Tower Loan and th e Judgment Court  in  XXXX   XXXX ,  MS .

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 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi there, I called TransUnion customer service on  XX/XX/XXXX  about the technical error they had with reinsertion of previously deleted information and hard inquiries glitch. They refused to help me and did n't delete my hard inquiries. Those are the hard inquiries which should be deleted : Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :   XXXX      XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  via  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX  Date :  XX/XX/XXXX  All previous hard inquiries should be deleted.  <P/> Thank you

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 2017-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
This letter is regarding account #  XXXX , which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  XXXX  or ever had  ) so me contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; ther efore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et seq., t his Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On or about  XXXX   2017- I wa s purchasing  XXXX  airticket at  XXXX   XXXX  While I was doing that - there is screen while booking the ticket that is very confusing and deceptive ( violating UDAAP ). That verbiage suggested that If I will apply for this delta skymiles card from american express today - I will be getting {$100.00} statement credit. Later when I checked my statements and also reached out to amex Customer service - it came out to be totally different situation. I come to know that one has to use this new delta skymiles card from amex to make delta eligible purchases to get {$100.00} statement credit - it 's very very misleading and confusing. How come somebody can use the card when they do n't have it in front of them??? Moreover  XXXX   XXXX  venture card - reveals the physical card details after applying for that via the capital  XXXX  mobile wallet app. I had  XXXX  Credit Card from  XXXX   XXXX  - that gives you the details of the credit card immediately after approval.   Amex or  XXXX  - did nothing like that. If they ca n't have the mobile wallet kind of app - at least they can use the usersession to record that transaction as if it is made using the newly approved card. Or they can provide a https page with all the details and have extended securing mechanism ( like secret question or multi factor authentication to validate the customer ).   It 's clear violation of UDAAP. Why one will apply for the credit card ( and  XXXX   XXXX  the  credit score )  when they cant ' avail the benefits at that moment or get the reward? This is deceptive, misleading and false advertising by amex. Why Amex think that somebody will pay {$95.00} annual fees for a card which has so much misleading, deceptive and false wordings and that 's how it seems Amex is making money. It seems Amex somehow wants to open the credit card accout via false advertizing and with annual fees. This way they can capture bigger market share with providing any value to the user. Amex is tricking people to open the credit card which has annual fees also to make money out of them. This should be stopped. No other credit card issuers are involved in this kind of UDAAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
As of  XXXX    XXXX    Capital One reported a 30 day delinquency on my credit report, which decreased my credit score  by  XXXX  points. The company alleged I was delinquent on the account and made several attempts to contact me however to date I have not received a letter or phone call. In learning of the delinquency I immediately paid the card in full, as the balance was less than {$100.00}. I was advised I would be contacted with in 48 hours by a manager to further discuss the situation, that  was on  XXXX   XXXX  and no one has contacted me.     Up until this point I have never been late with any credit obligations, car, mortgage, student loans, credit cards, my credit has been perfect.     But do to  this one incident I feel Capital One has ruined th e good credit I have maintained for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
My interest-only adjustable rate line of credit was taken over by  Servis One , Inc. dba BSI Financial Services,    XXXX   #  XXXX ,  XXXX   XXXX  around  XX/XX/XXXX . My agreed to LOC adjustable rate is  1 1/2  below the prime interest rate, which is currently @ 4 % making my current interest rate obligation 2.5 % today. The correct 2.5 % interest rate appears on both my  XX/XX/XXXX  and  XXXX  XX/XX/XXXX  BSI loan statements.  <P/> I received a letter from  BSI Financial Services d ated  XX/XX/XXXX  stating : " we have determined that the interest rate on your loan was set up incorrectly due to a system error and we undercharged interest on your account. The total amount of undercharged interest during the servicing of your loan by BSI  Financial Services i s {$71.00}. This amount will be billed to your account and will be reflected on your  XX/XX/XXXX  billing statement. '' I called the BSI toll free # (  XXXX  ) provided on my letter and spoke with  XXXX  ( she would not provide her last name ) asking for a detailed accounting of this additional charge. A detailed accounting of this adjustment does not appear anywhere on my online BSI account at www.bsifinancial.com. I personally calculated my LOC adjusted interest rate and do not see any discrepancies in amounts I 've had automatically deducted from my bank account.  <P/>  XXXX  could not help me out. She said she would send my request to the loan team and asked that I call  XXXX  back on Tuesday,  XX/XX/XXXX  to see if any details on this additional, unexplained charge could be provided. I told  XXXX  this was not acceptable ; my credit rating is excellent and I make monthly principal payments on my interest only account. I will not allow any financial institution to scam me. Federal law requires loan institutions to provide customers with details on loan charges.  <P/> I 've had similar problems with BSI in the past. This company refuses to send written documentation to support random costs charged to my LOC. I wan t Servic Onc, Inc. dba BSI Financial Services.  XXXX  to be accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation