vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: VA

Complaint narrative:
I started to receive calls from a firm calling itself USI Solutions. The main number they call from is XXXX. The claim is that I continue to owe a small {$200.00} amount from a debt that I never owed to begin with. I originally began to receive notices from a law office in XXXX claiming a debt from a credit card I never had. No prior letters, no calls ... .just a letter out of the blue claiming that I owed money from a credit card I was supposed to have had in college in the XXXX time frame. I fought this tooth and nail and eventually I felt I had no choice other that to pay this. I made a deal with the law firm and paid the debt in full in XXXX. I received a letter stating that this debt was resolved with a XXXX   balance. I never heard another word about this until last month. This was almost 13 years later. USI Solutions claim that the attorney I made the original deal with died and it is only now that his unpaid debts are coming to light. I made it clear that they have no right to collect on this based on the statute of limitations. The representative stated that he didn't care and he would call me for the next twenty years if he wanted to. They reused to provide any of the original documentation on the debt. They also refused to provide me with their license number to collect in my state. This company has harassed me relentlessly stating that I never paid the original debt in full in XXXX. They are stating I still owe {$200.00} on it. I advised the firm that all further contact needs to go through my attorney. I gave them my attorney 's contact information. They did not stop calling me and have now called my employer stating that they are trying to reach me to collect a debt. I am a XXXX for a XXXX XXXX XXXX   and this has caused tremendous issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr. Copper is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking. I have appealed the denial within the required 30-day time frame. Mr. Copper received the Appeal Letter but has not responded to my appeal letter dated XX/XX/XXXX, Therefore, I have not exhausted the appeal process. I also fully submitted documents again for mortgage assistance. Mr. Copper has not stopped the foreclosure sale scheduled for XX/XX/XXXX. The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to buy a chair from this man off of XXXX but the chair was never send after I had already paid and he has blocked me from all contact

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX repeatedly calls me and my family members from a blocked number from XXXX on. This company has disclosed my debt to a family member and told them that I need to get a lawyer or else. Ive contacted XXXX XXXX and told them that I was not working for months at a time due to XXXX XXXX and needed to make arrangements.They called me blocked I told the agent that they are allowed to call blocked and he told me they can do as they please with an attitude. There is no reason why they should be calling blocked, harassing my family And, disclosing my debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation
State: NY

Complaint narrative:
In XXXX, I was working full time, with the hopes of starting a small business. I was offered a {$10000.00} loan from Avant, but ended up losing my job & having some additional issues that caused me to not be able to maintain the payments on my loan. Upon realizing that I would not be able to maintain the payments I contacted Avant via their website and explained my situation, I attempted to create a deal that I could maintain while I got back on my feet & received no response. With no money and no income I ended up defaulting on a loan. This was over the course of 6 months. From losing my job in early XX/XX/XXXX, to defaulting in XX/XX/XXXX. The credit score that I had built up over time was destroyed. I have since built my score up to XXXX, but the late payments on my report are negatively affecting my score. I have current accounts, that have been in good standing for over XXXX years as well as maintained a Car loan for the last XXXX months, which is a higher monthly payment than what I was paying with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Freedom Mortgage Corporation sent me a loss mitigation package I have sent them duplicate request proof of hardship papers proof of disabilitys etc XXXX XXXX Tracking Numbers etc a total postage totaling {$360.00} I have dotted all I 's and crossed all t 's every time I send one thing they state I am missing another, they generate another exscuse duplicating request I Believe causing much confusion they send out investors to my home RECENT XXXX sitting in front of my house taking pics ( GUN POINT SUSPICIOUS ACTIVITY ) caught on close circuit TV gentlemen stated he was in the Investor Pool and wanted to know if interested in letting it go CASH MONEY Freedom Mortgage obviously gave out new recent phone number to residence and getting 5 to 6 call a  day asking me to sell this has been going on since XX/XX/XXXX On XX/XX/XXXX @ approximately XXXX XXXX  Operator @ XXXX Recorded XXXX states now she wants to regulate Deposits on boarder I have already submitted she was very rued Freedom Mortgage Is violating the guide lines of the FHA RULES and claiming I am not complying as well I feel there pulling Insurance scams

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 2019-03-01 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Two accounts with XXXX XXXX XXXX that show in collections on my experian reports were just updated instead of being deleted. I contacted XXXX XXXX XXXX and we both agreed to a pay to delete for the two accounts. I submitted this information to experian, proof of payment, letters from the company agreeing to remove the debt because it was paid and experian has only updated the balance of the collections not removed them from my credit file. I want them removed immediately.

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 2019-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have made on time payments since XX/XX/XXXX to pay off my loan. Original balance of {$8500.00}. Current Balance of {$17000.00}. Payoff amount at the end of my payment period in XX/XX/XXXX approx {$55000.00}. How is it possible for me to owe that much when I have made on time payments monthly for this long? I have called and written letters to Navient and they are not willing to settle for anything less than the pay off amount. They recommend I continue to make on time payments which in the long run will amount to approximately {$55000.00}. I would like to settle on an amount less than what is owed and pay it off in one payment. Please help me. Navient claims they do not settle. They said they could offer me a {$200.00} discount now to pay off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Ford refuses to take me off of the autodialer list. Basically the autodialer doesnt have a time stamp so it automatically calls during work hours. So they are saying they cant adhere to not calling during work hours. They are saying theyd have to fully take me off the calling list. I have a rewrite in progress for the loan but their collections department still uses the autodialer and cant take me off.the CSR actually said to just ignore the 2-5 phone calls a day, which is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There was a transfer of funds from my Chase checking account on XX/XX/2019 in the amount of {$1300.00} to an unknown person using quickpay with XXXX. I did not authorize this transaction and immediately filed a claim with Chase claims center on XX/XX/2019 upon seeing this transaction. The checking account was closed immediately and I was told the investigation would take 10 business days to complete. I have repeatedly contacted Chase claims dept. to ask for an update on my case and was told on XX/XX/2019 that no fraudulent activity was found. I asked the Chase representative for proof in writing that I had sent the funds using my devices and they could not provide that to me. My account was obviously compromised and funds stolen from my account. My wife nor I have ever authorized the disputed funds be transferred from our account to this unknown person. I have filed a police report with the local authorities. I am completely shocked that Chase can just state that they found no fraudulent activity and close the case even though I have stated that my account was compromised and that my wife nor I have never authorized the transaction or initiated the transaction! I have yet to receive any documents on the case or proof that I approved the transaction. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I sent my boyfriend ( XXXX XXXX ) {$170.00} via XXXX. That same week Wells Fargo had multiple system issues and it really didn't effect me. I had a deposit that took a while to show and that was it. Well on Sunday XX/XX/XXXX I woke up to my account being Negative because Wells Fargo system showed I did another transfer through XXXX  to my boyfriend for the same amount {$170.00}. I called him and told him NOT to touch the funds when he got them. He advised he never did. So the system duplicated my transaction. 

I called Wells Fargo and I put in a claim to get it resolved. claim # XXXX. By that Wednesday seems the system fixed itself and the funds were back correctly and had not been sent again. I assumed the claim rep would see that and close the claim. 

Well on XX/XX/XXXX I noticed they put a temporary amount of {$170.00} in my account to cover the issue. I called THAT day to advise the bank the issue had resolved itself and they could take the {$170.00} back from my account that they gave me. I ask that they please close the claim as it was no longer needed. 

Well by Wednesday XX/XX/XXXX my boyfriend wakes up to his account being Negative {$170.00}. Saying that I had a claim and the funds were being refunded to me. TO this day his account is still negative and I have yet to get the XXXX.. 

However, My issue is that I called the bank advised them they processed the claim incorrectly. That I NEVER asked for the funds to be returned. MY CLAIM was put in for the duplicate transaction that NEVER took place. XXXX XXXX is telling me it could be 90 days yet the XXXX says its been refunding me the money since last week. Wells Fargo wont fix their mistake and it has now caused my boyfriend NUMEROUS dollars in fees with his bank. I've done my due diligence and I just want the funds put back in his account and any fees he's incurred to be reimbursed. XXXX  only communicates via email and that is so horrible. Ill NEVER EVER use the service again but I need someone to please help me. My boyfriend had XXXX in XXXX and is not working. He cant afford these fees and If not resolved IM OUT OF {$170.00} due to a system issue. 
Had they refunded last Friday as the app said I would've just sent it back to him. PLEASE PLEASE HELP ME GET THIS RESOLVED!!!!!!!!!!

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 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
It has been 6 weeks, and I am still waiting for any answers and reimbursement for fraudulent checks that were cashed using my checking account at Citizen 's Bank. 

I believe I should have at least received a full interim credit ( provisional credit ) within 5 days of my claim, pending the outcome. I did not. I believe this is in violation with banking laws. I also believe the bank is in violation of the Fair Collection Practice, as collection practices are illegal while there is an open claim. 

Here is a full account of what happened. Documentation is also provided. 

A fraudulent check was cashed XX/XX/19 using my checking about information. This brought my account to {$0.00}. I immediately filed Claim # 1 to report fraud and closed the account to prevent it from happening again. A week later on XX/XX/19, another fraudulent check was cashed using the SAME bank account that was supposedly closed, bringing my account now negative hundreds of $ $ . I  immediately filed Claim # 2 to report the fraud and ask how this was possible even though the account had been closed? The banks repression was that the account had not yet been purged from the system, and they would put it in a credit only status on it to prevent it from happening again. Why had the account not been put in credit only status to begin with? I was told that Claim # 1 and Claim # 2 would be addressed within 6-8 weeks. 4 weeks later, I received an affidavit in the mail to sign. I thought this was part of the process, so I signed the paperwork and mailed back immediately. 6 weeks from XX/XX/19, I called to check the status of the claims, and they said they had just received my affidavits and would begin working on the process. After 6 WEEKS. In the meantime, my account was hundreds of $ $ $ in negatives. In the meantime, I received an alert that a deposit had been made into my checking account. I thought this was the reimbursement, but quickly found out that the money in my savings account had been moved into my checking account to correct the overdrafted negative balance of the checking account! I called the bank, where I was referred to the Collections Department. They apologized for the mistake, saying that the Fraud Department had not communicated my claims to them. I asked them to correct the problem immediately, because I now had NO money at all left in either my checking OR saving accounts now. They said the best they could do was 48 hours. I waited and my money was returned the next day. However, there was no excuse for this, especially after my original hardships. This is illegal according to the Fair Collection Practice. 

At 6 weeks, I am still waiting to reimbursed for the fraud with no updates from the bank. This has caused me and my family extreme financial and emotional hardship. I am considering filing a lawsuit against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
Please read the attached letter, it pretty much explains what. I had tried unsuccessfully to fix this matter with XXXX XXXX in years past.. The Washington State Attorney General suggested I filed a complaint with XXXX XXXX new attorneys.to the Washington State Bar for fraud on the court and XXXX XXXX XXXX for copying a alleged promissory note. ( The Old attorney XXXX XXXX and XXXX including trustee XXXX XXXX  were forced to close in XX/XX/2017 because the DOJ and many lawsuits against them ). Since then the BAR dismissed my case but the Alleged Debt to service had been transferred from XXXX XXXX to Specialized Loan Service. I apologize it took this long to send this from the date of the attached letter. but I had a problem with the internet after the last snow storm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is making it very difficult to place a FREE freeze on your credit as mandated by the FTC in XX/XX/XXXX. When you go onto the Experian website they make it seem like you can place the freeze online like XXXX and XXXX but when you hit " submit '' it states that you must request the freeze in writing my mail. Experian then gives instructions to mail personal documents with identifying information that if compromised, may further put myself at risk of Identity Theft. Experian also recommends that you send the documents via certified mail which cost me {$4.00} to mail to them. A credit freeze is supposed to be free so Experian either needs to reimburse the mailing cost or be like the other credit companies and let consumers freeze their credit on-line. It is my belief that Experian is making it more difficult for consumers to freeze their credit so that they can sell their monthly credit protection that cost {$20.00} a month and allows you to lock your credit similar to a freeze. I mailed the documents to Experian on XX/XX/XXXX and when I checked my USPS tracking number it showed that the paperwork was delivered certified mail to Experian on XX/XX/XXXX at XXXX. Experian was supposed to send me a PIN number to unfreeze my credit but as so XXXX I have not received confirmation from them that they have freeze my credit and my PIN number that will allow them to unfreeze my credit. A total of 10 business days have gone by ( not including today ).

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 2019-03-01 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr. Cooper has continually failed to report the correct information to the credit reporting agencies. They acquired my loan last XX/XX/2018. I have dutifully ( despite their errors ) paid all payments on time and in excess. They have failed to report a correct balance, the monthly payments and are now claiming on the attached XXXX report that the loan has been sold. I have not been notified of this as per RESPA. 
They also claim it was opened in XX/XX/2018, also a lie. 

So to be clear the following items are falsely reported to the credit agencies : Date Loan was opened with them.

Current Balance Date of last payments Date of last activity Monthly payment amount Loan transfer/sale

Company response to consumer: Closed with explanation