vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I wrote letters to Capital Accounts regarding a debt that I do not owe to them. I received a statement from the original company which is  XXXX   XXXX  for the amount of {$59.00}. Upon notice of this statement I sent a check through my bank for that amount. Capital Accounts had already placed this item upon my credit without any prior notice. They were trying to collect {$110.00}.  XXXX  now they are trying to collect {$89.00}. I have not received any notification from  XXXX   XXXX  that I owed any other amount than what I paid. I sent Capital Accounts a HIPPA letter that I attached as well. I do n't owe this amount and it is greatly affecting my credit as it is false information. They have sent me an itemization print out but it lists every date I have an office appointment with  XXXX   XXXX . I had insurance and have insurance so what was due after my visits were paid. How is it possible to get an statement from the original company that has the correct amount but receive false amounts from an collection agency and it can just be placed upon your credit. I have provided proof of the actual statement from  XXXX   XXXX  and a copy of them receiving the amount that I have paid in full. They failed to provide/perform the following to me : Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In the past I have notified  XXXX  and Equifax that I have never attended college in  XXXX , Wa and I would like the student loans that are from   XXXX   XXXX   removed from my credit report that are listed.     I also would like the loan consolidation acknowledged on my current credit report as loans paid off, not going under another name.     Thank you.     XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wrote in  XXXX  with specific issues I wanted the credit bureaus to investigate. They never investigated. Never responded at all. None of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I leased a car with  Toyota Finacial Services.  I turned the car in   XXXX   XXXX  . I received a final bill for a lease turn in fee for  XXXX . I paid the  Bill  on  XX/XX/XXXX  for the amount of  XXXX . I heard nothing fromToyota until   XXXX   XXXX   XXXX  , when I received a collection Letter from   XXXX   XXXX   XXXX   XXXX  . I contacted Toyota and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  Toyota ret urned payment on   XXXX   XXXX   XXXX  . I sent another  Electronic payment to Toyota  on  XX/XX/XXXX . I called  Toyota to  verify payment where they forwarded me to  XXXX   XXXX   XXXX  on  XX/XX/XXXX .  XXXX   XXXX   XXXX  tried to Verify Payment with  Toyota Financial Services  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  4th pa ge shows the electronic payment made to  Toyota on    XX/XX/XXXX . The second file is a message from  XXXX  that sho ws Toyota sent  back payment. The third file is the payment made once again t o Toyota Finacial Services  on  XX/XX/XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  XXXX   XXXX   XXXX  by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Sometime in   XXXX   XXXX   XXXX    , I was informed of consolidating my loans through a company called  XXXX   XXXX   XXXX  via a radio ad.     My first interactions were with  XXXX   XXXX , a representative of that company. He stated that the repayment of my student loans could potentially be reduced to "  0 '' f or 240 months if my income fit that repayment plan that was being offered.     He requested information that included paystubs from the last 30 days of employment. I sent that information via email. His contact information is as follows- Email :  XXXX  XXXX  XXXX ,  XXXX  :  XXXX  or  XXXX  ex.  XXXX . He is an   XXXX   XXXX   who forwarded my information to another person named  XXXX   XXXX .      XXXX   XXXX , a student loan processor for the company, then requested the first  XXXX  pages of my tax return. His contact information is as  XXXX   XXXX  :  XXXX  Phone :  XXXX  -  XXXX  All of this information was forwarded between  XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  received my tax information on  XXXX .      XXXX   XXXX  was the next company that contractually binds me for services that could be offered for free. They have me paying back $  XXXX  for their loan that amounts to around {$1400.00}, which is payment to the  XXXX   XXXX  Loans for consolidating my federal student loans. They have all of my information, including my social security number.     Loan Hero can be reached at :     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX  La  XXXX , Ca  XXXX   XXXX

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 2017-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A previous complain was submitted and I asked  Wells Fargo to waive double fees charged on my account, fix error on my transactions and they responded that my checking account has a high credit of waived fees. I was n't talking about my Checking Account, I am talking about my Saving  Account which is currently overdrawn.   They have n't waive any fees on my  Saving Account. A check was misplaced by the Bank. They canceled it on my checking account and deposited on my Saving Account after have it deposited on both accounts because they did n't giv e me available balance for it. I used the check balance from my checking account and they took that used money from my checking account twice and transferred it to my saving account causing its overdrawn, meaning they took the money from my checking and also from my saving account, canceled the check deposited on my checking which was the place I used the money from and took money from my saving account also for that same check.   They also charged me fees for transferring available balance on my saving account to my checking account. {$35.00} dollars fees were accessed because I transfer money and they overdrew my account after that charging me fees for the previous transfer.   They removed my Saving account from my online account and now I ca n't give you proof because they are smart and sneaky and removed me from online access.

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 2017-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
From  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   I received over  28  calls from  XXXX   XXXX  bank. This is not the first time I have received repeated harassing phone calls from them. This is the third time I have spoken with them warning them this is in violation of the FDCPA and yet they continue this illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
- On XX/XX/XXXX, I submitted my monthly mortgage payment through SLS 's website. The payment amount requested was {$75.00} more than usual. The site included no explanation for the extra charge. To avoid adverse action, I paid the amount requested. - On XX/XX/XXXX XXXX XXXX., I called SLS 's customer service line ( XXXX ) to request more information about the fee. I was told only that it was an attorney fee, and the representative was unable to provide any further information. I informed the representative that I was disputing the charge and asked that, if it was valid, that they provide the relevant portion of the mortgage contract authorizing the charge. I was told to e-mail a dispute to XXXX, which I did at XXXX XXXX the same day. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed that they had not received it. This time, I was asked to send my dispute to XXXX, which I did at XXXX XXXX. The representative expressed confusion that she was still not seeing the e-mail and said she would call me back in approximately 20 minutes. She never did. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed for the first time that they did not consider e-mails an official written dispute and was asked to fax a request to XXXX. After further review, however, the representative informed me that the charge had been transferred over from my previous mortgage provider and that I would have to pursue the matter with them.

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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To W hom It May Concern  : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and  may possibly be relatives address. Please see the attac hed copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRE NT WORK INFORMATION IS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   My current  phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

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 non-monetary relief
Consumer complaint received 2017-05-11 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: Credit Karma, LLC
State: LA

Complaint narrative:
I tried to set up an account on creditkarma. I was unable to. Because someone already set up an account. Using my personal info. Please something has to be done.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported that my Macy 's credit car was stolen and they did n't ask for ID card or any prof some hody make a purchase at Macy 's department store and why they place me on collection I will sue Macy 's if you did n't take of my mane from collection

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 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I lost my home because  Ocwen Financial  lied to me about my low income home modification applications were denied and I had to fill out more the loan modification package 's more than  XXXX  times and the would tell me after I went and paid for faxing them They did n't get them or they could n't find the paperwork I sent them. I did this over and over and finally they said I was not approved. They started foreclosure on me and gave me only 3 month 's to vacate or said I had to pay them in full. They had  XXXX  payments paid ahead and I was n't behind in my payments. I get a letter from the Government that I had been approved for the loan modification for {$250.00} a month. I had to do a quick sell for just {$3000.00} for my home.  Ocwen  caused me so much stress and I went into deep  XXXX  and had a very bad nervous breakdown. I was in the  XXXX   XXXX   XXXX . I lost everything I had worked for my entire life because of Ocwen. The letter I received from the  XXXX  said I could get my home back but it was sold and rented out and destroyed by the renters. I have no money to sue Ocwen and I need help to get my money I lost from my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
For more than 200 years, Chase has been one of the worlds leading financial institutionsits reputation beyond stellar ; its customer service unparalleled. Thats why I chose Chase to handle my mortgage. Thats why I am appalled about my latest encounter with Chase. And thats why I am reaching out to you.
Recently, I mailed Chase three mon  ey orderstwo in the amount of {$500.00} and one for $  XXXX  satisfy my account before  XXXX   XXXX ,   XXXX  . Chase stamped the money orders several times before realizing that the total would not bring my account up to date and returning the money orders to me.     In the meantime, my mortgage had been sold to  XXXX   XXXX   XXXX , where I sent the stamped money orders to satisfy my current mortgage obligation.  XXXX , however, will not accept the money orders because they were written out to and had been stamped by   Chase.
In an effort to rectify this situation, I spoke to three Chase mortgage banking specialists   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX  of whom told me that because of this error  three separate checks would be mailed to me within five business days. ( Each conversation was recorded by Chase. ) After more than a month, I have not received the checks as promised, nor have I heard from Chase regard ing the status of the checks.     I tried to return the stamped money orders to the store where I purchased them, but they will not accept them. I also called the money order provider,  XXXX   XXXX , which informed me that I would have to pay {$50.00} for each money order and that I would need a copy of each money order as well as the stubs, which I do not have, before a refund can be processed on my behalf.     As it stands now, I have lost {$1100.00} due to Chases mishandling of my money orders and misinformation over the phone.     I do not know what else to do. I am on  XXXX  due to major health issues, so my funds are limitedand this situation is causing me even more distress. All I want is for Chase to send me the money I am owed, the money they promised.     Now as of today,  XXXX / XXXX /  XXXX  , I spoke to a  XXXX   XXXX   XXXX  at  XXXX  Mortgage Banking  Executive Office . She suggested that I return the money orders back to the store where they were purchase. I reminded her, that the store does not do returns on stamped, written and dated money orders. She than suggested that I call  XXXX   XXXX . I reiterated that I will be charged {$50.00} for each money order. That is {$150.00} that I do not have.       Please help me rectify this issue with Chase before my home goes into foreclosure.
  My reference number -  XXXX  Thank You so much in advance!    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX / XXXX / XXXX  I needed expensive dentist work for my teeth. The dentist sold me on a no interest credit card from, Comenity Capital Bank,  XXXX   XXXX   XXXX  Credit Card account.  XXXX . I charged {$7500.00} and had the work done.     I did not understand that it was a 24 month promotion period with no interest. In  XXXX   XXXX  the promotion ended and they charged me an extreme interest rate of 28 % and started it at the beginning date. I had made every payment on time and most payments were in addition to the minimum payment.     My balance in the beginning of  XXXX  was {$2200.00}. Payments were due on the  XXXX  of every month.     On  XXXX / XXXX / XXXX  they added {$2000.00} interest, and {$2100.00} - PROMOTIONAL TO REVOLVING.   I called and discussed this as soon as I notices, around  XXXX / XXXX / XXXX . I pleaded with them to remove the interest charges and I was prepared to pay the balance in full. I spoke to  3 different levels of management and they were extremely rude and would not budge. The last person was the district manager and he said he did n ot report to anyone when I asked for his supervisor.     There was small writing on the electronic statement saying that the promotion was ending. I feel I should have been notified by mail, email, or phone.     I paid off the entire balance, in fact paid over by {$87.00} which they will not return.   The balance paid was {$4200.00} which was the balance on the  XXXX  ending statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I applied for a card . My credit score is  over  XXXX ! Capit al one said NO. And they would send me a letter. 30 days goes by no letter! I call and they say the y will look into it and call me in the morning 10 days ago! Still nothing! I have a business card with them for 5 year I have NEVER had a late payment and I spend well over {$100000.00} a year

Company response to consumer: Closed with explanation