vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
I went to a puppy shop bought a shih Tzu and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}. 
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open. 

Complaint against XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Your XXXX XXXX XXXX  Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number.. 
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have an Flexible Spending Account for childcare expenses through my employer, that is managed by Bank of America. On XX/XX/XXXX I utilized all XXXX funds in the account in the amount of {$310.00}, prepaying childcare into XXXX because I could not find any documentation on the date when XXXX funds needed to be utilized. 

Bank of America denied my claim for funds in the XXXX multiple times, even after being provided with receipts from XXXX XXXX ASEP Program ( After School Education Program ), which is an eligible dependent care service. Bank of America XXXX claimed that it was not clear that the program was for XXXX and that a note I had entered on the payment noting " XXXX XXXX out '' made it ineligible for payment ( the note was manually entered for my record keeping in the XXXX XXXX, and was not part of the receipt information ). 

This is laughable, as I have used my FSA funds for this dependent care service since XXXX of XXXX, and Bank of America has paid XXXX claims to XXXX for XXXX based on the receipt generated with each payment, prior to the denial of the XX/XX/XXXX payment. It took three denials and an additional receipt from the teacher at the school to get them to cover the claim with my XXXX funds. 

My most recent payment on XX/XX/XXXX for dependent care in the amount of {$140.00} to XXXX has similarly been denied, with the claim there were no dates of service on the receipt XXXX dates of service don't auto-generate on the receipt, especially as we must pre-pay for service and there can be weeks with pro-rated amounts carried over ). I then supplied a receipt with the dates of service and the claim was again denied by Bank of America on the grounds that there is no evidence that the payment is to a dependent care provider. They have refused to acknowledge that XXXX is an acronym for " After School Educational Program '', despite the fact that the care is through a public school and that they are an eligible provider of dependent care services. I am frustrated with making multiple calls and providing multiple receipts to access my own funds in my XXXX account. I believe they are hoping to retain the funds by making them impossible to use for their intended purpose.

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 2019-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
My home was affected due to Hurricane Harvey in XXXX. I was deferred payments for three months. After that I applied for a loan modification. It was approved and I made trial payments for XXXX, XXXX and XXXX of XXXX. In XX/XX/XXXX docments were sent to me to sign with the new modification of my mortgage. I have been told that Home point financial transferred the processing of my loan to another company and they are still waiting for documents to be sent over. This is XX/XX/XXXX and they are still showing my mortgage behind, my credit is screwed up. I have called in every week and month since XXXX. I keep getting told they are waiting on the other company to send in paperwork. I have been making payments every month and they are just holding them in arrears. Now I have my year end statement and it is way understated because they have not corrected my loan. I need this resolved and I am not getting anywhere with Home Point financial. If you look on the account message. It will show where it states you have been approved for a loan modification however they have not finalized this and documents were signed in XX/XX/XXXX and it is XXXX. I called today and spoke with XXXX. She tried to transfer me to the supervisor who never came to the phone and I was on hold over 30 minutes. I keep getting the run around every time I call. I have made my payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TX

Complaint narrative:
Transunion is incorrectly reporting an increase in the balance owed to XXXX XXXX XXXX of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for 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 2019-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: LHR Inc.
State: NY

Complaint narrative:
On XX/XX/19, XXXX XXXX contacted me via text message twice without ever having my consent to do so. In this communication they did not provide proper advisement that this is an attempt to collect a debt and any information obtained Will be used for that purpose. Additionally, it was disclosed in the text message that the debt was owed to a medical facility which comes very close to violating HIPAA since this company had in no way actually verified my phone number and could have been disclosing this information to anyone. Upon contacting the company and trying to figure out how or if they had obtained my authorization to text me, they advised that it was provided by the client and if I have a problem with it, I should get an attorney.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
6 Merchants withdrew from our bank account during the 2018 year without authorization a total of {$16000.00} via repeated ACH withdraws. These merchants are XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX. I noticed these withdrawals in XX/XX/XXXX and reported them to the Bank. The Bank filed 6 claims but later decided that these claims are subject to the 60 days grace period rule. Which means all these losses are my responsibility because I did not notice or report these unauthorized withdrawals in the first 60 days. The Bank refused to provide any assistance to recover these funds from the six merchants and refused to supply any information about the merchants legal information. Although many of the withdrawals meet the 60 days rule, namely, reported within the 60 days of the frauds occurrences, the Bank did not follow Consumer Protection Regulations regarding ACH, outlined in 1005.6 Liability of consumer for unauthorized transfers. The Bank did not even attempt to recover the withdrawals from the merchants. The Bank advised me to contact the merchants. After contacting the merchants, the merchants requested that it is the Bank that should report and recover the funds. 
It is also important to note that two of the withdrawals happened a few days after I reported the frauds in XXXX and after the Bank Branch manager confirmed with me they will fully control my account and promised that XXXX  withdrawal be refunded. 
Before the above six frauds happened, a seventh merchant, XXXX, and as early as XXXX XXXX withdrew via ACH four payments and after reporting the claim, I recovered these funds, however, the Bank did not warn me or advise me that XXXX withdrawals were fraudulent. If the Bank warned me about ACH fraud or advised me to take measures in early XXXX, all these frauds could have been avoided. 
All along, I assumed that the Bank uses a formal process to authorize ACH withdrawals and request a written authorization or any sort of form to prove that ACH transactions are approved by their clients. Many other merchants who legitimately withdrew monies from our Bank account have followed a formal process to withdraw monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I had applied for a payday loan the company then called me on my cell number provided on the application and then they stated speaking to the company that ended up being XXXX XXXX  I would be able to receive this loan I had applied for I was then informed of a plan of some sort claiming that they would dispute my credit report items and they advised me of one single plan and not the option of a lower paying plan that I found out well after they took money from my account I was also told they would dispute items on my credit report I as of well over several several months after discontinuing not received any documents from XXXX XXXX  stating what was disputed and for what reason it was disputed for I also am now having issues with one of the companies claiming that they can not dispute because they claim that they never received any response from XXXX XXXX or myself regarding said dispute that was reached out I was very unaware and uninformed of what if anything was even disputed as claimed XXXX XXXX  leads very misleading information and I should of received proper documents stating from them what company and details about each report issue on my credit that was disputed because I was very much paying for something that was misleading and if by chance the credit issue with first XXXX XXXX is what was disputed by XXXX XXXX on my behalf should of detailed In the dispute documents and such that was sent on my behalf which obviously not done correctly or may have never been done because I have not received any proper documentation from nor did I ever received via email or regular mail reasons for or what at that time was being disputed I feel I was very misinformed and very mislead for services I was paying for that was never properly done as it should of been if I was paying for something I was coerced into by a payday loan company as well misinforming me by saying I would get this loan approved thru XXXX XXXX  so I was very much mislead by ways of claiming I would recieve this payday loan after speaking to XXXX XXXX which never happened the only thing that maybe the truth was they were going to charge me, little did I know that I was going to pay for services I never properly or accurately had described to me I do honestly feel I was very much tricked into what they offer by the payday loan I also feel that they do this more than it is recognized or that it is reported, this is in response to a XXXX  XXXX XXXX issue that they claim was disputed but have never received a response from the disputer as to why and I was not the one to reach out to dispute so the only company that could of would of been XXXX XXXX XXXX but it was evidently not done the way it should of been if they have no knowledge as to why they were having a dispute put against them ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Unisa, Inc
State: TX

Complaint narrative:
I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to XXXX as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kramer & Frank, P.C.
State: KS

Complaint narrative:
XX/XX/2019 my husband received 4 letters from Kramer & Frank addressed to him in regards to medical bills from XXXX XXXX XXXX that are in my name and not his. I am the primary on the insurance and he did not sign to be responsible at the time of medical visits. Letters included the following amounts : {$310.00}, {$220.00}, {$490.00}, {$160.00}. My husband is not responsible for the debt, the insurance is mine through my employer, and the FDCPA states that Kramer & Frank can not disclose this information to my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was wrongfully foreclosed by Ocwen loan servicing they conducted an illegal foreclosure and sale of my house which is called dual tracking there has already been a class action lawsuit against Ocwen the Department of Justice conducted the decision because of State of California business oversight department and I am a victim I am currently fighting my 6th eviction in the past 5 Years From the largest corporate landlord who bought my home the name of the current owner is XXXX XXXX who has subsidiaries like XXXX XXXX XXXX a Delaware Limited company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: BB&T CORPORATION
State: TX

Complaint narrative:
XXXX is incorrectly reporting an increase in the balance owed to Regional Acceptance Corporation of {$260.00} which lowered my credit score. This is not correct. The original amount owed was {$16000.00} and the current amount owed is {$16000.00} No payments have been made 30 days or more late. Statements attached for 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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Credit agency, for 3 months straight has downgraded my credit rating, by removing 3 times now my XXXX XXXX XXXX  accounts, each that I have had opened for 4 years now ... andf have always been on time and A rated credit, both carrying a {$0.00} balance and XXXX lines of credit accordingly, last month i disputed their removal of these accounts in good standing, now again they removed them again ... the bank verified that they did in fact report the credit to all 3 Credit monitoring agencies, XXXX   and XXXX have this account listed and in good standing. 

On the XXXX I applied for vehicle loan with XXXX XXXX, was approved..today my loan value due to decreased fico score, has been raised an extra XXXX in interest due to credit rating, enough of this XXXX ... Transunion has held no credible response, nor response of repair and clearly violated my credit rights..please fine 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 2019-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bronstein & Weiss Arbitration
State: VA

Complaint narrative:
On XX/XX/2018 I was contacted by someone claiming they would be serving papers for check fraud and I needed to be at my home at a certain time of day. I was told if I was not there to be served, a warrant would be placed for my arrest for check fraud for a debt nearly 15 years old. With the holidays, I was unable to be at home during that time and was told my only other option was to sign a payment agreement. I asked for a proof of debt and was told none would be given in writing unless I was served with the papers, and that I could not request them. 
I asked for details about the charges they were serving papers for. The lady advised that they had me down for felony check fraud, as well as a few other things, and that the minimum sentence was at least a year served. Panicked, especially with a new baby, I consented to the signing the payment agreement without doing further research. At this time, Ive paid them around {$600.00}, and have taken steps with my bank to dispute those charges and cancel the upcoming payment of {$1200.00}. 

The debt in question was well beyond the statute of limitations. This was intentionally misrepresented, I was threatened with jail time, and forced to sign a document quickly to avoid being arrested. They refused to provide a proof of debt or give any additional information about the money owed to a payday loan lender. 

I have contacted the initial creditor, and this is NOT the company that they have authorized to collect a debt on their behalf. This IS a scam.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-15 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: Credit Karma, LLC
State: FL

Complaint narrative:
I checked my file that Credit Karma have on me and discovered the following : 1. Showing every debt that I may have used within a month not over the limit with the amount and increased balance in red giving a negatice impression.

2. Then the same is appearing for accounts that were closed appearing in red to give a negative impression.

3. Several of the closed accounts in red are not closed they are the same account that's opened but was refinanced.

4. I've lost clise to 100 points on my credit score which has destroyed my creditworthiness.

5. A month or two ago my student loans appeared in red were taken out of XXXX  file but now in Credit Karma file is showing up again in red as interest is added to my deferred loans making my loans appear over the limit.

6. Closed debts are showing both opened and closed.

7. The red writing that appears next to each bill makes my debts look like they are delinquent or write offs and whatever that's negative rating or remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.

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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I recently discovered that your company ran an unauthorized report on me on XX/XX/2018 and XX/XX/2018. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request.

Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature.

PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.

Company response to consumer: Closed with explanation