vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was set up on ACH with TD Auto Finance and had no issues until the last payment. They did not auto draft the last payment and I was not aware of this until I saw the mark on my credit report. I contacted the company and they said it was there policy to do this with every account. I should of been contacted by them by phone, email or even mail. They said they sent a letter stating this to an old address. They should realize that I am an upstanding customer after 60 months of payments with never being late once. They are refusing to take any blame in this and will not submit a reversal of the late mark with credit companies. I was told by the customer service that they would but then received a letter later stating that they would not. I have called back multiple times and spoke with a manager named XXXX XXXX with was extremely rude and not willing to help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has started calling me again on XXXX/XXXX/XXXX at XXXX from XXXX. Trying to get information on a family member ( who does not live with me ). I told them to stop calling me in the past. Here they go calling again. Im currently taking legal actions against Navient for the false accounts on my credit. Why would I give them information to falsify on someone 's else credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
On XXXX XXXX 2017 I deposited a money order for {$500.00} and a 12 day hold was as placed on XXXX of it. I also deposited a separate money order for {$100.00} and it was available immediately. I tried to call to find out what happened and got the we are sorry but its computer generated line. I 've had this happen before but never a 12day hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
Upon checking my Credit reports, it was found that a Discover card was opened in my name. I have filed an identity theft report with the FTC as well contacted the attorney generals office in Louisiana and the XXXX Police Department. I notified Discover of this fraudulent account and they still insist that this account is mine. At the time of account opening, I resided in a foreign country and at no point did open this account. Discover refuses to accept the prima facie facts of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was set up on ACH with XXXX XXXX XXXX and had no issues until the last payment. They did not auto draft the last payment and I was not aware of this until I saw the mark on my credit report. I contacted the company and they said it was there policy to do this with every account. I should of been contacted by them by phone, email or even mail. They said they sent a letter stating this to an old address. They should realize that I am an upstanding customer after 60 months of payments with never being late once. They are refusing to take any blame in this and will not submit a reversal of the late mark with credit companies. I was told by the customer service that they would but then received a letter later stating that they would not. I have called back multiple times and spoke with a manager named XXXX XXXX with was extremely rude and not willing to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a loyal customer with Chase bank for a number of years. After making a series of purchases that I had the funds for according to my available balance, I was charged three {$35.00} dollar overdraft fees when the merchants charged the money several days later. In one instance a bill I paid on XXXX/XXXX/XXXX did not get taken out until XXXX/XXXX/XXXX. I know that other banks such as XXXX have been sued on the grounds of accumulating charges in order to assess more overdraft fees and this may in fact be a similar case. 

When explaining the misleading available balance and my frustration with the excessive {$100.00} dollars in overdraft fees, the representatives called me a valued customer although there was nothing that could be done by the first respresentative. I explained that I understand if all three cant be reversed but at least two or at least one would have made the burden a little less.

I waited nearly 30 minutes to speak with a supervisor who quickly informed me of my value but there was also nothing she could do about the charges. When asked how am I a valued customer when there was nothing that could be done, the representative changed the subject and restated there was nothing that could be done. I would appreciate someone looking into the matter and I am happy to bring relevant charges against the bank institution for their financial misrepresentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I received an alert of my credit being negatively impacted by an entry made by XXXX XXXX XXXX in the amount of {$1400.00} on XXXX XXXX. I have NEVER received anything in writing from this company to show that I owe them nor have I received any notice showing that I have the right to dispute. When I looked up this company in your database, a suggested name came up of Midwest Recovery Systems. Once again, I have NEVER received ANY letter from said company either. 

Furthermore, I do n't have any contracts with XXXX XXXX XXXX nor Midwest Recovery Systems nor XXXX XXXX XXXX XXXXXXXX. 

It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I contacted XXXX XXXX and let them know my husband had been laid off of work and I had just had a XXXX XXXX and was unable to work as well. Therefore, I asked if we could come to an agreement and settle on our bill. The gal that was helping me had to speak with a manager. This same gal that was helping me confirmed with her manager that they would indeed accept a settlement under the circumstances of being laid off and medical issues. She also assured me that It would not be reported as a bad debt write-off. It would be reported as " a paid amount accepted by XXXX XXXX. We agreed upon {$3000.00}. I 'm disappointed they did not keep their word. My efforts with XXXX XXXX have proved fruitless to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citimortgage was handling my deed in lieu and everything was done they even had an attorney XXXX send me the legal documents to sign. XXXX emailed me the documents on XX/XX/XXXX. We signed and returned the documents to XXXX overnight on XX/XX/XXXX which they received on XX/XX/XXXX. 

Citimortgage ( XXXX XXXX and XXXX XXXX ) told me that my loan would be assigned to another mortgage company on XXXX so I needed to get the documents signed and returned to the attorney 's office before XX/XX/XXXX. 

Although my documents were signed and returned to the attorney 's office on XX/XX/XXXX at XXXX. I received an email from XXXX XXXX at XXXX this morning stating " I was advised that the file has been service transferred. '' I spoke with the new servicer this morning and was told that the loan was not transferred until XX/XX/XXXX so I do not understand why XXXX did not complete the legal documents and complete the deed in lieu. XXXX and Citimortgage are just XXXX me around. 

As you will see from my previously submitted complaints that Citimortgage has never done their job. Why would they transfer my loan when the deed in lieu was basically completed. 

Also when they transferred my loan, per my conversation with XXXX XXXX XXXX d/b/a XXXX XXXX, Citimortgage did not even tell them about my deed in lieu or send them any of the information as to the status of my deed in lieu which I stated above was basically completed. 

Citimortgage is a horrible horrible company who I feel have fraudulently XXXX me and my family from the beginning and you ( cfpb ) have allowed them to continue to XXXX us around. They have allowed this process to go horribly wrong from the very beginning by not doing their job and I advised your agency of this with all of my documentation. 

You chose to not even read my documentation. Just forward a letter to them and let them respond and then you were done. When I tried to respond I was unable to. 

I need this deed in lieu completed as soon as possible.

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 2017-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NIC, Inc.
State: AZ

Complaint narrative:
The company I work for monitors and records calls. I had asked XXXX XXXX @ XXXX XXXX to not call me at work ever. He agreed and contacted me by cell phone and email for normal contact. 

Today on XX/XX/XXXX he again called my work and harassed me. He immediately ask for payment of debt. I told him I was at work and could not talk. I asked him, on the call, to contact me outside of work and to remove the work number from his contact sheet. 

He immediately said that my not wanting to talk to him at the moment constituted me no wanting to pay and that he would go ahead and count me as non-payment. 

I was then forced to try to plea with XXXX while on the recorded line and being monitored by my employers. He hung up on me and I had to contact them outside of work. 

XXXX XXXX tone and conversation caused me to reveal information I did not want reveal to my employer. My employers are upset that I had taken company time to address these issues. Had XXXX XXXX not revealed my debt on the call or agreed to handle this outside of work, it would not have been an issue for my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: GA

Complaint narrative:
In XX/XX/XXXX Selene Finance approved me to start the modification process by paying {$1000.00} per month. I made on time payments for the month ofXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Selene sent me a letter datedXX/XX/XXXX that my XX/XX/XXXX payment is being returned as the payment is less than the amount required to cure the default on your loan. So I called the Loan Resolution Department and they stated that I would need to pay 3 months of payments. It was not clearly communicated what would happen to my home. The Loan Resolution representative I spoke to on XX/XX/XXXX left me not knowing the outcome, but stated he would send out the modification paperwork to me. But as of today XX/XX/XXXX I have not received. Please look into this matter as soon as possible. I am a XXXX of 1 year ago and the added stress is not good for my health.. 

My second complaint is on my mortgage history datedXX/XX/XXXX there is a large ( which appears to be a second  mortgage ). have not refinanced my home at all. Please have Selene explain where this originated. 

Thank you for your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.

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 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NH

Complaint narrative:
Received a phone call from Afni and subsequently a letter dated XXXX/17 from AFNI, Inc stating that I owed XXXX {$2300.00}. I never had a XXXX account. Talked to a XXXX representative and they said they could not find anything under my name or the XXXX account # XXXX ( provided by AFNI, Inc in the said letter ). XXXX asked me to file a complaint with their Fraud department as they told me someone is trying to collect under your name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This debt was included in a bankruptcy years ago!!! It has already been deleted from my XXXX credit report and still is showing on my Equifax credit report Ive called many times and no resolve!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I took out a personal loan from One Main Financial and paid it off in full on XXXX XXXX, XXXX. 
Then just recently i look at my credit report and it shows as i just took out a new loan in XXXX XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
I h have a mortgage through Ocwen, I did miss a few payments but two months ago I resumed making payments and they started sending them back. They said they would not accept any more payments on the account unless I could bring the account completely current. I called the company 2 inquire about a loan modification. The call was accepted by someone in XXXX, who spoke so quickly I could not understand him. I requested him to slow down so I could get the help that I needed and he did not. I requested to speak to someone who either would slow down or put me in contact with someone who spoke English he said he would help me and did not transfer me. I downloaded the loan modification papers and fax them to Ocwen 3 days ago and now they say they did n't receive them but I do have a receipt saying that I sent them I ca n't get any help it 's like they want to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB Mangement Services , Inc. has harassed me and my employer since XXXX calling after day four to five times a day. Calling my grown children on their cell phones and on XXXX XXXX, 2017 called one of my children at work and got him in trouble because he is not to have phone calls at work, he has told him number of times to quit calling him and in the phone call of XXXX XXXX, 2017 the person from NCB Management told him that he was a debt collector and was trying to collect a debt that I have. I have mailed them today a letter asking them to stop calling my employer, my children cell phones and call my children on their job sent it return receipt. They have my number and my address this debt does not belong to them they call them everyday and leave phone mails to the point of harassing them for something that does not involve my children

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
This complaint is about fraudulent charges to my XXXX card, which I believe were placed in a scheme involving Citi personnel. OnXX/XX/XXXX as I paid my card online, an ad for " oil capsules for hair '' for {$9.00} popped up. On impulse, I ordered them. They arrived but I did n't like them. However, the XXXX statement had an UNAUTHORIZED {$89.00} charge. I called Citi to report the fraud. The Citi agent '' XXXX '' stated it was for " XXXX 's XXXX XXXX '' ( in AZ ; I am in CT! ). She insisted that my order for oil capsules CONSTITUTED AN AGREEMENT to all charges made by " XXXX 's '' or " CaringWorks '' the capsule supplier. I objected and " XXXX '' agreed to reverse the charge ( she did XXXX, and replace the card. However when I used card # 2 the {$89.00} charge reappeared. I called " XXXX '' again and told her this was fraud. THERE WAS NO CONTRACT to allow these charges. After 3hours of my protesting " XXXX '' said she must consult " security '' ; after I waited, " XXXX '' came on but said I had agreed to the charges. OnXX/XX/XXXX I paid {$410.00} on the card, for American flightsXX/XX/XXXX, which were not listed, ( only {$600.00} non-itemized fraud ( Documents attached ) I need to have this scam cancelled.

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 2017-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
In XX/XX/XXXX, I filed for bankruptcy. I did not include my mortgage with XXXX XXXX because I was present at that time and the bankruptcy attorney advised that unless I chose, I did not have to include my home. I did not include my home yet continued to make payments on time. In XX/XX/XXXX, XXXX XXXX stated they would correct my credit as two payments were improperly placed into another fund instead of being applied to my mortgage. Before fixing the issue, they transferred me back to Freedom Mortgage as my servicer, inXX/XX/XXXX, while stating I was then past due. I submitted all documentation to XXXX XXXX, Freedom Mortgage and all credit reporting agencies in order to resolve this issue. 
It is now XX/XX/XXXX and I am still fighting to resolve this issue as my credit has plummeted and though XXXX XXXX has corrected the problem on their end, Freedom Mortgage is still reporting my mortgage delinquent. I have obtained attorneys and HUD, but have not received satisfactory services.

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 2017-12-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting frontier it 's not mines I ca n't utilize that service in my area, XXXX and transunion are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue

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