vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Let me start stating that this is the third time that I submit a complaint against Banco Popular de Puerto Rico. I own an apartment and unfortunately the financial institution that first gave me the mortgage does not longer exists. Because the economic situation in XXXX my apartment cost less than the amount I own to the bank and they said they can not offer me a refinance option. I got a letter on XX/XX/2015 stating that the only option I had was to contact lost mitigation, which I did. The person that evaluated my case told me that I was not eligible for a modification to my mortgage because I had an income deficit. I called back today after modifying my monthly expenses and I am still not eligible for the modification. I even included my husband 's salary as they suggested the first time we talked. How come they said I do not have the means to pay if I have been paying this apartment for the last 10 or so years? What I want is for Banco Popular de Puerto Rico to modify my mortgage loan or to give me a streamline mortgage or anything that does not include surrender my apartment to them, which was the only option the person on the phone gave me.

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 2017-03-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The account above is currently reporting on my credit report but I am only an authorized user. 

I would like to remove myself 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 explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Global Recovery Group
State: PA

Complaint narrative:
I was called by a man who would not give me any information but told me he would be showing up at my house in 30 minutes to handle my " incident '' I asked him for more info and he would not do anything but gave me a phone number. Then he tried to get me to confirm personal info and I refused. He called me XXXX XXXX and said he would see me soon and hung up. I called the number and they again refused to give me a website or mail me a letter. They wanted my bank info over the phone. When I refused they told me.I had 30 minutes before someone would be showing up at my house. 
The man continued to call me every 15 minutes for 2 hours until I called the police. I was locked inside my house for 2 hours with my baby terrified some XXXX person was about to show up and I did n't even know why.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Mobiloans, LLC
State: TX

Complaint narrative:
To ( XXXX ) XXXX XXXXXXXXXXXX XXXX/XXXX/2015 at XXXX XXXXThank you for your patience and assistance. 

Per supervisor XXXX in account services, the XXXX executive I spoke with hung up on the customer after she provided XXXX different telephone numbers twice ; the Mobiloans male executive violated FDCPA and FTC protection rights of one of Mobiloans ' loyal customers. The previous email is a foward from Mobiloans customer service department including the voided check the supervisor asked the customer today at XXXX XXXX central time to resend to the Mobiloans account services department for account number XXXX regarding the new banking information being submitted on XXXX XXXX, 2015. 

Per supervisor XXXX the system has not updated the checking account information via voided check and authorization form sent from XXXX XXXX, 2015 - XXXX XXXX, 2015. Per supervisor the system was unable to take payments customer scheduled and that the system deleted both payments set up online for XXXX/XXXX/15 and XXXX/XXXX/15 due to this system error. Per supervisor any and all late fees will be removed due to this issue and the phone collection calls being a result of a system error. Per supervisor any delay of the update of the new bank account information sent in beginning XXXX XXXX, 2015 to XXXX XXXX, 2015 will be corrected in the system for account number XXXX within 24-48 hours per recording. The customer will be scheduled to pay only the minimum balance on the next due date of XXXX/XXXX/2015 per current online account. 

Per supervisor XXXX, customer support will be contacted to recorrect point system to show customer as an on time paying customer and restore stolen loyal customer discount credits voided during company system error. 

Thank youAccount Number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDICO. INC
State: SD

Complaint narrative:
My ex-wife by court order is required to pay the debt. The XXXX XXXX XXXX is trying to collect from me. Also, the only person that XXXX XXXX attacks with lawsuits is my and never my ex-wife. I feel that I am being attacked and being harassed by this company. I have expressed to them and provided proof of the court order to XXXX XXXX XXXX. In addition I have asked them to not contact me at my place of employment and they continue to call me at my office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax has received written notice, including signed Bank Notarized Affidavits to Never add a Fraud Alert, however, Equifax keeps adding Fraud alerts intentionally stating I requested a fraud alert which is a Blatant lie. Equifax blatantly Break the XXXX daily without Any repercussions from the Federal government! Requested on XX/XX/XXXX, and now XX/XX/2017 a security freeze waiving the {$XXXX} fee by submitting a police report and they are giving me the Run around that they have n't recieved the documentation. XXXX and XXXX received the same documentation and added a freeze immediately. I want the CFPB to keep this case open until this matter is stated resolved. Equifax keeps stating they automatically add XXXX alerts even though they have the attached letter requesting to Never add any Fraud alerts to my account without my consent otherwise they are violating the federal law. Additionally they need to sent a complete copy of my credit report by mail. To make sure my information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ROC Asset Solutions, LLC
State: ME

Complaint narrative:
I got a call from XXXX and the caller name XXXX from XXXX XXXX and XXXX XXXX XXXX. Called me and left a Voice Mail at first and saying that I 'm being sued and need to contact them right away to settle it before submitting the case. Then when I called I ask for a written validation to confirm. But they said that they already send one back in XXXX 2015, but never receive and they refused to send another letter but will email me the letter. So I told them I want a written and still refused. Now I asked for her name, the company and the address and already saw a bunch of complaints regarding to this phone number and Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: AUDUBON LIBERTY & ASSOCIATES
State: GA

Complaint narrative:
On XXXX XXXX, I received a voicemail from XXXX XXXX ( sp? ) stating that he intended to serve me with legal documentation that required my signature. He stated that he would come to my place of employment between XXXX and XXXX, and proceed to my home and " wait there a while for me to show up. '' He said if he did not see me TODAY, it would result in further action and be considered a " missed appearance. '' The number he left was XXXX, and I needed to reference my document number, which was XXXX. I called this number and spoke to a XXXX XXXX. This person told me they wanted to settle an old debt. He gave me two different amounts that I owed ( $ XXXX and then $ XXXX ), and said they would settle for {$400.00}. He asked for debit card information so I could pay, and also gave me payment options. This was suspicious to me, so I asked for his business name, which is Audubon Liberty Associates. He gave me three different phone numbers when asked, and when I asked the physical address of his business, he first said they were in North Carolina. When I asked him again, he told me they are in South Carolina. When I told him he initially said they were in North Carolina, he responded " No I did not. '' He got rude when I pushed with more questions. He refused to give me the physical address of his company. He gave me XXXX digits and asked if those were the last XXXX of my SSN. They were not. I asked what address they had on file and it was not at all familiar to me. After I pushed, he then said they must have the wrong person. It was clearly a scam.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX : Paid my lease as agreed. 
XX/XX/XXXX : Acquired a new car and the dealership took my leased car as part of the transaction. Lost posession of this car. 
XX/XX/XXXX Lexus Financial services cashed the payoff check. 
XX/XX/XXXX received statements. On both occassions, I was told by the Lexus Financial representative not to pay the statements and ignore them. 
I was reported to the Credit Bureau. I have not had a single late payment in 33 years, including XXXX cars I bought from Lexus Financial Services. 
I spoke with the dispute representative which refuses to admit any wrong doing. 
My credit score now will affect by business and my partners as I can not take advantage of a good credit score, being Lexus Financial Services the only responsible account which they refuse to correct. 
I have always paid all my bills on time and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX I made an international transfer on line at bank of America as i have in the past. The funds were for a reservation at a vacation resort for myself and my family. Despite the fact that if I check on the bank website the transfer is completed, the funds were never received. 
Attempts tocall the bank at the number indicated were unsuccessful.

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 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Mortgage Loan canceled due to error on BBT Mortgage end. They then lied saying they requested documentation thru the online portal when they never did. I originally opened a complaint with the CFPB in regards to my loan experience with BBT. I am unable to add information to this but the information that they provided was false. They did not send a letter or upload a letter to my online portal requesting updated income documents. I have emails documents provided to me from my loan officer XXXX that showed the rate lock being extended to XX/XX/XXXX. I agreed to continue to pay the rate lock until closing. The loan officer was even unaware of there being a request for updated documents. She emailed me asking me if they had contacted me and I told her no. The letter that was allegedly uploaded to my online profile by XXXX. This document may have been created but was not sent to me. I hope BBT has records on the back-end as I am currently trying to seek legal council to file suit against BBT. They charged me for a credit report fee and appraisal and then cancel my loan. I got my title cleared on XX/XX/XXXX. The issue is they dragged there feet initially when I applied for the loan. I applied for a refinance XX/XX/XXXX and entered into a 60 day rate lock. I got an appraisal done on XX/XX/XXXX and the Title company did not even notify me that there was an issue with the title until XX/XX/XXXX. I did dispute the original value of the appraisal on XX/XX/XXXX and sent the rebuttal. I reached out to the appraiser and he did not receive the rebuttal until XX/XX/XXXX and when he requested additional information they never responded to his request. I have all of this documentation and emails. XXXX advised me that this dispute was reviewed by the loan officer and Loan officer manager for errors. I did not know that loan officers were appraisers. I thought appraisers were regulated by DPOR. This process has been a nightmare. Their error will cost me over 10k in additional finance charged because they canceled my app with a rate lock of 2.875 fixed for 15 years. Then they provide false information to a government agency ( CFPB ). They did not request updated documentation from me or it would have been updated. Looks like there was a communication issue between the loan processor XXXX and the Loan officer XXXX as XXXX was not even made aware that my loan was canceled.

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 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony bank has reported that a credit card was late. I 've called the company several times to resolve this issue. Every time I was told no problem the payment has been made. Obviously they did not notated anything as I am still being harrassed.

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 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
My mortgage company, Ditech, withheld funds I paid for the mortgage in an unapplied account because they changes the escrow amount. I was n't notified and no change showed to the amount paid on my account on the website. The company then repeatedly made derogatory marks on my credit report while I was trying to contact them to get responses. When they finally responded, they said they were holding my money in a separate account without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
When Costco started offering Citi Visa cards with good rewards, I applied for and received a Citi Costco Visa. I used my card sparingly, but my wife did not even open the envelope containing her card. I always paid my account balance before receiving a statement because of the interest rate. I was surprised to receive a statement with a {$6500.00} charge from a travel agency in XXXX using my wife 's card. I called Citi and notified them the charge was fradulent. They took the charge off my card. I told them to close the account which they did not want to do but did so at my insistence. I told them the reason for the charge was because of lax security on their part because my wife 's card had never been activated. Cloning of the card had to have come from a hack of their data base or from internal fraud by an employee since my wife 's chip card had never been out of her desk and had not been activated. 
As a result of this, my credit score has dropped by XXXX points from XXXX to XXXX ; my wife 's has dropped from XXXX to XXXX. We both today received notification of this today from our credit monitoring service. 
My cancellation of the account is due to Citi 's lax data security and their failure to notify me of an obviously suspicious transaction. 
I want Citi to correct the filing they made with the credit bureaus to reflect that I was not at fault in the fraudulent transaction and the resulting account closing. I want my credit scores restored to their original levels. I would like CPFB to pressure Citi to take a more business like approach to approving obvious suspicious transactions as was this large out of country charge from 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 2017-04-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I requested a refund from Discover Card. Although card activities demonstrated a refund was sent, I never received it. In addition, they reported me to the credit bureaus for not paying the monthly fee. Therefore, I would like for the report to be amended, and I would like the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Contacted about debt that is not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The company is reporting my score too low and wo n't do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I made a payment on XX/XX/XXXX on a loan which was disbursed on XX/XX/XXXX. This payment should have been applied 100 % to the principal of the loan, as I was essentially paying back an amount from the loan which was more than we needed. This was the second disbursement of my son 's student loan, and Nelnet applied most of it to principal, but applied {$270.00} to Interest. As it was repaid within 120 days of the disbursement of the loan, it should have all been applied to principal. I contacted Nelnet via chat support in mid XX/XX/XXXX to request that they correct this and apply the full payment to principal. I was told via chat that the payment was not applied fully to principal because it was more than 120 days from the loan 's disbursement ( the loan 's original disbursement was in XX/XX/XXXX ). I pointed out that the second half of the loan was disbursed in XX/XX/XXXX, well within the 120 days and was told that they would correct the issue. In early XX/XX/XXXX, I noticed that Nelnet still had not fixed this issue. I then contacted Nelnet via their 'contact us ' on their website to follow up and again request that they take care of this. I received an email requesting more information, which I supplied. I was contacted on XX/XX/XXXX stating that they would send a request for the payment to be allocated as requested, and that my request could take up to 5 business days. Checking today, they have still allocated {$220.00} of that payment to interest. I have received no further communication from Nelnet regarding this issue. I emailed them back this morning, again requesting that they fix this issue. Meanwhile, I am being charged interest on the full balance of the loan, when this should have been credited to the principal of the loan almost 2 months ago. I have also made several requests trying to find out how to pay down any of the principal on my loans, and these requests have been ignored. I filed a different complaint with you regarding that issue prior to noticing that they still have not credited my account as they should for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pioneer Credit Company, Inc
State: LA

Complaint narrative:
An unauthorized hard inquiry occurred on XX/XX/2016

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 2017-03-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Someone cashed fraudulent checks against my account in the total of {$9500.00}, XXXX for {$4700.00} and {$4800.00} ( Money Market Account ). On Friday XXXX, 2017, I received a call from the Michigan PNC bank stating that they believe there was fraud on my account. I terminated the call because they asked me for personal information and I did n't want to give it to them. I visited my bank on the same day PNC XXXX spoke to XXXX and told them I wanted to check my account because I was concerned about fraud. XXXX checked my account and said there was no activity and said there was nothing to be done. Over the weekend I checked my account XXXX, 2017 and saw there was a withdrawal for these checks, for XXXX. Called and went into my branch and the money had been pulled from my account. The bank put notes in their system and told me that someone would call and investigate the account and advised a XXXX would be assigned. They later assigned XXXX. They did not take anything in writing but took everything down and started dispute XXXX 2017. After the bank delayed I decided to put my dispute in writing and submitted an ID Theft Affidavit. They scanned it and said it was n't needed. However, they have never gotten back to me and now it has been almost 30 days and they have delayed getting back to me. I 'm concerned that this has n't been resolved and that the bank did n't close my account on the XXXX when I suspected the fraud. I understand that as a consumer I have a right to have fraudulent funds reversed if I report it in a timely fashion. I did not authorize this.

Company response to consumer: Closed with explanation