vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
After a period of rapidly demising remuneration due to technological obsolesence I lost my last job in XXXX XXXX   just over two years ago. At aged XXXX it is not easy finding another one. Nevertheless in the last quarter of XX/XX/2018 both my wife and became employed. That income along with a pension, social security and additional fees for professional services rendered should by all expert accounts justify a mortgage modification. The servicer - Select Portfolio Servicing Inc is proceeding with a forced sale despite the fact that they are still considering a restructuring as they repeatedly ask me for data that I have already submitted. I do comply promptly with their requests.

It is very challenging to establish enhanced lines of communication with them given no real relationship manager and written correspondence that completely contradicts that which I have been told on the phone. 
I think it perfectly reasonable for both parties to delay the enforced liquidation until a more thorough examination is made of the additional financial resources being introduced in an attempt to work collaboratively with the servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
i called XXXX XXXX today and i was told that i owed XXXX and they put on my credit report i owed XXXX and i dont and the account is closed and took a lose and now im told they sent it to a collection agency called XXXX phone number XXXX and they still haven't taken it off my credit report and the solclution is for them to remove it also my sister never order anything for XXXX, on XX/XX/2017 and she never order anything and my sister got a bill yesterday for XXXX, for something she never ordered and the bill was for XXXX that she doesn't owe help us please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
The card company sent an offer for {$150.00} reward points if {$500.00} is spent within 3 months of the card being issued. I applied onXX/XX/XXXX and received the card and activated it onXX/XX/XXXX. I then used the card on XX/XX/XXXX for a total of {$510.00} meeting the requirement for the rewards. After receiving my statement and calling their customer service to have the points applied to my card balance, I was told they could not do so as they had a fraud alert on the account. Noone could tell me why. They asked me to send documents to establish who I was, which I did until they asked for copy of my social security card. I had already sent copy of a utility bill and drivers license, but have been told to never give copy of the SS card except to medical etc. I was told then that I couldn't even use the card, even though no one had ever reached out to me about that. One of the people I talked to agreed that since I couldn't use the card, the account should be closed, but said he would apply the points before closing. That didn't happen and now they say they can't apply the points because the account is closed. Their statement shows {$150.00} in points I want per the card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On XX/XX/2018 I closed two loans with Union Bank. My complaint is that they charged me for the application fees which was in the amount of {$550.00} for each loan. I paid that when I first applied back in XX/XX/2018 for a refi with cash out. They told me they would not do cash out just rate and term, so I went ahead and did rate and term with just enough cash out to cover closing cost. The escrow company, XXXX XXXX XXXX XXXX, called me and asked me to sign docs on Saturday XX/XX/2018 at XXXX which I did. I noticed when I was signing docs for Notary person that there was an application fee of {$550.00} of each loan again. I told escrow person that I already paid app fee for each of the two loans back XX/XX/2018 and he told me it was probably just a mistake and that the escrow officer would remove it on monday but I should sign docs anyway because my rate lock would expire on the following monday so I signed. Called escrow officer on monday and was informed that Union bank would not remove this second app fee. Wrote to Union Bank about his matter and they refused to return my money period. Please see attached. 
Union bank claimed its two different loans but its not and the rate lock is the same one they used from back in XX/XX/2018. They ripped me off for $ XXXXVery shady Bank.

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 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc
State: WA

Complaint narrative:
I called the collection agency and when attempting to work out a deal with them, they refused to accept an offer less than the principal balance and directed me to contact the originator of the debt to work out a settlement offer. Upon contacting the originator they said that they don't develop those sort of deals, but that I could pay the balance owed. I paid the balance owed to the originator. On XX/XX/2019 I saw the collection balance increased and called both offices to see what the issue was. For the originator, I am in good standing, and they sent the notice of payment to the collections office. Upon calling the collections office they accused me of avoiding paying the interest due to their office. I was misinformed by their office as to what my options actually are and the person I talked to on the phone was unhelpful and accusatory and threatened that the interest would not be written off despite me fulfilling my obligation to the originator, whom I believe still owned the debt.

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 2019-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi there, I applied to this Chase XXXX XXXX XXXX XXXX credit card sometime in XXXX. The card opening benefits shown to me when I applied to the card was getting XXXX reward points after spending $ XXXX within 3 months of card opening. However, after I spent more that that amount after 3 months, I didn't get the rewards back. I called XXXX first and they contacted Chase for me. Later on, I got an email saying that Chase advised that I didn't get those points because I didn't spend $ XXXX in the first 3 months. 

I contacted Chase the first time on XX/XX/XXXX and asked them to look into this. They said I got the offer which was getting XXXX reward points within the first 3 months after spending $ XXXX. However, that's not the offer I saw when I applied and I didn't even know that offer existed. I called for a second time as I heard nothing from them regrading how they would be dealing with my case. They said the previous case was being processed and they were not able to downgrade the offer. I asked them to submit another case for me based off some details I provided with them. 

I would like to say that I never saw the XXXX $ XXXX offer when I applied and I just want to get what I should get. I could have spent more if I really got that offer. I haven't heard back from Chase since then. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
My issue is with my USAA Mortgage showing late payments on my credit report back in XXXX of XXXX to XXXX of XXXX I received some late payment marks on my credit report and again in XXXX of XXXX I received another late payment on my credit report when I discovered them I contacted USAa and explain to them my situation during XXXX through XXXX I was on two XXXX  as I am in the XXXX XXXX and I explained to them that the account that I was trying to pay the payment I was ' an authorized user but for some reason USAA told me that I was not an authorized user on the account and that's why It did not process correctly however after talking with the supervisor USAA agreed that they would go ahead and fix my credit report because all my payments have always been on time except for these few mishaps therefore they fixed my XXXX  report except for one late payment which I was okay with however they have failed to fix XXXX  and XXXX  I've called USA several times and today was my last as I was on the phone for over an hour with them each time they told me different stories and now they're refusing to fix the issue I am requesting a thorough investigation to fix my credit report like tgey did with XXXX   I'm okay with the one late payment for XX/XX/XXXX but all the others need to be removed I have several accounts with USAA and several other good standing credit reports I have a very long history of good credit please review this inquiry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
To start the apartment complex back in 2016 sent me paperwork with the wrong amount and wrong name listed. SO I tried to contact them to get this corrected and got no response. It then got sent to IQ data who I recently tried to communicate with to settle the account and was treated very poor. A manager by the name of XXXX XXXX cut me off and hung up on me, when I called back to ask for his manager I was advised there is no need to speak to different managers in regards to the account. I am trying to settle my account before I process my bankruptcy due to financial and medical hardship. The manager stated that this month out of the year is the lowest they are able to settle accounts for which makes no sense why it matters what month it is. Also when I was trying to explain my situation he spoke over me and told me they aren't scared of my threat of bankruptcy and hung up. I was not threatening anyone but trying to explain what ii am doing to try and settle an account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Because of previous problems I have had with TD Bank, I decided to close my credit card with them ( they started charging me 24 % interest for similar issues that were not valid ). I paid the balance owed and asked them to close the account. The bank however continued to allow automatic electronic debits - I was charged by a previous vendor {$14.00}, days after I requested and was told the account was closed. A phone rep from TD who called my home about 2 months ago confirmed the same story. 

Since the bank allowed the charge to go through ( that they should not have ), every month they add new fees and charges. Now the balance is over $ 200+ which is almost entirely fees - due to their error. 

They called me several times. A couple of months ago a rep called and confirmed my story. I told her that I was even willing to pay the {$14.00} from the charge that they shouldn't have allowed. I offered to pay the erroneous charge but told her I wouldn't pay any of their penalties. She said she'd put my on hold and ask her supervisor. She didn't come back, and I went to work. Several times they have called in the morning as I'm headed out to work, and I asked my wife to give them my cell # and if they would call me on it I would still try to resolve things with them. Instead they keep calling my home when I'm not there - but they don't call back even after I've asked them to. 

They often send letters advising that they will report me to the credit agencies for non-payment. I'm not sure if they have or not, but the letters and bills keep coming and I will be extremely upset if they report to the credit bureaus for something they THEY caused. That's an abuse of power in my opinion - they can effectively make it very hard for me to get credit and I have no equivalent ability - it's really a shame how the system works. Anyway I hope the CFP can help resolve the problem since TD Bank doesn't listen to me. 

My legal name is XXXX XXXX. The card was a Visa card - I believe the number was XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This card was open fraudulently. I never applied for the card. I believe my sister might have something to do with it because she had access to my Bank of America checking account when I traveled to XXXX for my fathers funeral. I left her in my home to care for my minor daughter. Some payments to the card were made from my checking accounts and she is the only one who had access. I never applied or authorized anyone to apply for a Bank of America credit card. 

I have attached my travel ticket to prove that I wasnt in the country then and a police report. 

This account is fraudulent.

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 2019-03-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because the Credit Bureau has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and con not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2019-03-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because the Credit Bureau has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and con not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
So this is basically the same scenario that happened last time. I quick pay myself on Sunday XX/XX/2019 {$200.00} from my Chase savings acct. to my checking acct. to cover checks that are going to clear. By Monday XX/XX/2019 I had a balance about roughly {$420.00} give or take. So I look on my account today and for some stupid reason I was charged yet again another two fees of {$34.00} equaling {$68.00}. So they, meaning Chase took it upon themselves to wait for my checks to clear then allow my quick pay transfer to go through afterwards. I am not in the red now but, I am charged yet again because they, meaning Chase, dragged to accept my quick pay, literally from one Chase account to another. I don't understand the timing and shouldn't be punished for this. As of Monday my acct. was in the green and I have plenty of money in their to cover. Also their was yet another day were they charged me and yet again the money was in my Acct. ending in XXXX. This transaction was on XX/XX/XXXX. This has to stop or they have to add some guidelines as to how long a quick pay transaction ACTUALLY goes through. My total for fees was {$100.00}. I also have the documentation to prove it as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
The week of XX/XX/XXXX-XXXX, XXXX XXXX obtained my credit report unbeknownst to myself and made a redetermination on my credit worthiness, which resulted in a reduction of my credit limits on both my XXXX and XXXX XXXX credit cards, one by {$100.00} and the other by {$50.00}. Both cards have had consistent on time payments for one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX  The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2019-03-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is follow up to my previous complaint filed on this site against Shellpoint Mortgage Servicing company. 
Their behavior of harassment and intimidation is not acceptable. They bought my debt from another collection agency XXXX XXXX after XXXX XXXX used the same techniques to collect expired debt from XXXX  XXXX XXXX who sold debt in bulk to XXXX XXXX. 



XXXX XXXX, FL XX/XX/19 From : XXXX XXXX XXXX To : Shellpoint Mortgage Servicing XXXX. XXXX XXXX XXXX, MI XXXX To Whom It May  Concern : After buying my debt from Select Portfolio for pennies you keep harassing me with the latest by sending XXXX XXXX XXXX on XX/XX/19 banging on my doors at XXXX am while I was soundly asleep ( I'm retired and sleep a lot ) to intimidate me on loan that XXXX had no desire to deal or foreclose many years ago. 
You are violating every legal statue that bars you from harassment and intimidation. 

You are violating : [ 15 USC 1692d ] 806 ( 5 ) [ 15 USC 1692d ] 806 ( 2 ) [ 15 USC 1692c ] 805 ( a ) ( 1 ) [ 15 USC 1692d ] 806 ( 1 ) [ 15 USC 1692c ] 805 ( 6 ) [ 15 USC 1692g ] 809 ( a ) [ 15 USC 1692C ] 805 ( c ) By this signed letter I am asking you to cease and decist all calls ( including third party ), all written correspondence and remove ALL negative remarks on all three credit bureaus ( XXXX, XXXX and XXXX ). 
There is statue of limitations for collections and you are way past due that statue. 


XXXX XXXX XXXX XXXX

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