vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HOPE BANCORP, INC.
State: WA

Complaint narrative:
On XX/XX/21 I sent a money transfer through XXXX XXXX from my bank of XXXX  debit card in the amount of XXXX to a scammer at XXXX. The scammer who impersonated my boss had me pay for a insurance payment and he promised to reimburse me in the morning. I saved the text messages from the scammer telling me he is the owner and I have all the instructions he gave me through text as evidence I was not the one at fault or knew of the situation. I have saved call records as well and my conversation is recorded on the XXXX line at work so my managers could retrieve that if necessary. Which the event started over the XXXX line at work then he contacted me on my personal cell phone to make the money transfer. I made the money transfer and the scammer kept asking for more money so after that happened I called my coworker to verify and she notified me of the scam and to stop communicating then report it. I immediately called XXXX XXXX at XXXX XX/XX/21 they said they cancelled the transaction sent my case to their fraud team and contact them in XXXX hours. Then I contacted the XXXX XXXX customer service to verify my refund status and they told me my reference number given wasn't valid because they neglected my case and deleted it. So I ended up reporting to my bank and police late about being scammed and needing assistance to get a refund. Then my bank took all my written evidence and saw the saved messages from he scammer and phone calls on my cell phone saved for evidence including police report. XXXX XXXX later and my bank is telling me my dispute was denied and I no longer qualify for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
They sued me for a debt that was more than 10 years old from XXXX. The lawyer was XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX number XXXX XXXX XXXX the the company was Velocity Investments LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They are garnishing my pay without showing any proof that I owed the debt. I sent numerous letters to them but they moved forward with garnishing my wages. They sent me documentation that they bought the debt from someone back in XXXX I have several receipts from certified mail sent to all the parties involved letting them know that this debt was both not mines and it was too old to try to collect. 
The garnishment was for XXXX and they are taking 200 to 250 out of my paycheck every period. It feels like I'm being robbed

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 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington bank bill pay services deduct money from a checking account at initiation of the check, not at time of cashing of check. This opens door to several issues. Man issue is who s in possition of funds when check is not cashed? How does the bank report this addition income?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a previous complaint about this issue, XXXX. 

After contacting the company in XXXX that owns the cafe 's on the ferries, it was determined that I was wrong about the charge. It was apparently not from a purchase in a cafe. As I continued to dig I uncovered more information. 
First, thank you for contacting CITI Bank. Only after they received your notice of my complaint did they actually do something to help. They obtained a copy of the receipt and shared that with me. The signature on that receipt is not mine. 

I will upload the email correspondence with the cafe parent company and my correspondence with Citi Bank as this matter unfolded. 

Citi has once again closed this case and consider this to be my responsibility. Whereas before I was concerned about being grossly overcharged, now I am fairly certain this was a fraudulent charge made without my knowledge.

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 2021-12-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio has avoided answering my questions in QWRs and DVLs. They state that their authority comes from XXXX XXXX  as XXXX. XXXXXXXX XXXX states they have no such authority and are nominal. .SPS refers back to reports and labels used by themselves, which is not an answer to my questions. They have yet to provide evidence of, ownership or authority over the alleged debt. 
I have never received a notice signed by an officer of XXXX XXXX stating that it is the XXXX that owns any obligation owed by me to the trust. Nor have i received a notice signed by an officer of XXXX XXXX  that states that SPS is appointed servicer of my account receivable, as owned by XXXX XXXX XXXX for the trust, there is no direct assertion that either SPS or XXXXXXXX XXXX is involved. 
They have also refused to directly address accounting defects, while at the same time attempting to coerce me to accept a trial modification with threats of legal proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
Ive received mail stating that I owe a discover credit card. This account thats shown on my account was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I was in Covid -19 forbearance, when I exit forbearance I applied for loan modification with Loan care in XX/XX/2021, they still continue to call me asking to pay money {$33.00} to cure default, loan care assigned me a mortgage resolution advocate but its Loan care policy not to transfer a person directly to the advocate, I could not speak with advocate, every time is different person and different facts, XX/XX/XXXX th I e mailed and send certified mail with signature required XXXX pages worth of Paperwork, but its still not good enough. When I called yesterday the representative told me Im missing again and that paperwork form wasnt in the list they requested.Its been XXXX month and I am still trying to submit my application for modification. CFPB made rules to facilitate smooth transition but Loan Care breaks the rules, they are playing with me They call me for paperwork and they already have it, than the representative say they are sorry mam they have it and they are surprised that there is no notes in my files, its going on XXXX th month I can not submit application when I send it via e mail, they say they didnt get it and every person tells me different things, than it expires and still same cycle they say they want to help but they do nothing in reality to help you. I am curious how many loan modification they approved? Im sure many quit because what Loan Care practices is XXXX, XXXX like, their practices do not follow federal regulations.

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 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HSBC 's promotion is misleading. They offer a {$500.00} bonus if the consumer sets up an account with a direct deposit and deposits " totalling at least {$5000.00} ''. They did not give me the credit and stated that it must be {$5000.00} in each month. However, in the fine print, they do not say " in each month ''. Their wording is below ( I've also attached a photo of the offer ) : " make recurring monthly Qualified Direct Deposits totalling at least {$5000.00} from a third party to your HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening '' Again, they should have said " in each month ''. Instead, the wording is not clear at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
Hello I have an FHA loan and Mortgage Lender ( Midland Mortgage ) is refusing to give me an additional 6-month extension. 

I'm currently working with a HUD counselor and she advised me about this information, I also check HUD 's website to verify this information. It says on there FHA loans are available for up to 18 months if unable to find employment.

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 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am becoming more and more frustrated I have been trying to remove this fraud alert for some time now. You all have been ignoring my request via phone and Transunion site. I am not able to obtain internet service or any necessary items via credit because of this. I provided you all with identity verification multiple times. If this fraud alert is not removed immediately, I will seek litigation. Your company 's unprofessionalism has cause me pain and aggravation to the highest degree.

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 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I moved out of my apartment building, the XXXX XXXX XXXX, on XX/XX/21. I was told I could have some extra time to return some plastic pool bands ( worth absolutely nothing ) that they were charging me {$150.00} for. I was out of town for a couple of weeks at the time, but when I got back, a friend returned them for me. The XXXX XXXX XXXX XXXX said they would reissue the bill, but they never did. The total bill amount was {$510.00} - but should have have been {$360.00} less the pool bands. When I was hounded for the full {$510.00}, I admit I felt frustrated and taken advantage of. I've emailed them to ask how I can pay the bill less the pool bands. I apologize for not following up on this sooner. I really do pay all of my bills on time and feel that this debt / collections mark is unfair and unjustified. I really do not want a mark on my credit and will do anything to get it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
A company named PYOD LLC is reporting an unpaid amount on my credit report. I did not open the account, I have never received correspondence from them about an account and I have attempted to dispute it to no avail. 

I believe I have been a victim of identity theft. 

Here is the information from my XXXX XXXX credit report : Creditor Name PYOD LLC Account No. 
XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: PA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX fraudulently reported that I owe an outstanding XXXX XXXX balance to Experian. I do not own a XXXX XXXX account nor have I had XXXX for over a decade or so. Upon researching the company, I see that there are several scams involving this company as reported on the XXXX website here : XXXX XXXX XXXXXXXX. 

The organization claims that I owe a balance of {$2100.00} and paid {$1600.00} - I haven't paid any of this as this is inaccurate and false information. I opened a dispute with Experian as soon as I discovered this account ( around XXXX XXXX ). Today ( XX/XX/XXXX ), I received the following from Experian " The dispute for the account with investigative recovery services was not changed as a result of processing your dispute. The company that reported the information has certified to Experian that the information is accurate. '' i have since called Experian and they said that the organization was able to provide my SSN, Address and Name so Experian left the account on my credit report. As I see it, if my information has been jeopardized as it has and given the many data breaches that occur each year, the fact an organization has my SSN, Address, and Name should NOT be enough to prove that the account is mine. 

This request to follow up on this fraudulent activity is especially urgent because our family is in the process of purchasing a home and this will disqualify us for a mortgage. 

Thank you in advance for any help you can provide me and future consumers being targeted by this entity.

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 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: MD

Complaint narrative:
I live in Washington XXXX DC. In 2018, while my son was attending XXXX XXXX, he asked me to cosign an apartment for him. I agreed to do so, and electronically signed an agreement with XXXXXXXX XXXX XXXX XXXX XXXX in XXXX SC on or about XX/XX/2018. However, after researching rent rates in the area, my son decided not to take the apartment. While checking my credit last year, I noticed a debt for XXXX owed to Carter-Young Associates . Once I discovered the mark on my credit report, I reached out to the Apartments first. Apparently they have charged me 2 months rent even though neither of us have never set foot in their apartment. As far as I know, he never even put down a deposit. When I expressed my displeasure with this policy, they referred me to Carter Young and stopped taking my phone calls. It feels as though I am being taken advantage of. They have to know a college student wouldn't be able to afford these rates. It seems they are charging the same price as a 2 bedroom apartment for a room. My agreeing to cosign was contingent upon my son accepting the apartment. If he doesn't take it, how are either of us still responsible for rent? I could understand some type of cancellation fee, but 2 months rent is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: IL

Complaint narrative:
On XX/XX/21, my social media and email accounts were hacked, resulting in the use of my debit card information to purchase {$3000.00} worth of Bitcoin through an XXXX app called XXXX XXXX. 
I have not previously used this app, nor am I at all familiar with the use of Bitcoin or other crypto currency. This bit coin was purchased with my funds and then sent to a recipient address which I do not recognize. 
I have since reached out to the XXXX wallet support team and am awaiting a response. 
I have also contacted my bank in order to stop payment on the funds and hopefully be reimbursed for the fraudulent activity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I rented a car and then canceled the reservation because the company charged XXXX weeks ahead of reservation date. 

When I canceled, rental car company refused to give me a refund. 

I contacted Capital One bank and they said they couldn't resolve the issue either and I ended up paying for a car rental which I didn't use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: FL

Complaint narrative:
I have had a Chase XXXX XXXX XXXX credit card for several years. The card provides for a free XXXX XXXX hotel room on the anniversary date of the card, which is in XXXX. Chase upgraded my card without my permission and unilaterally changed the anniversary date to XXXX. Therefore, I didn't receive the free hotel room in XX/XX/XXXX and will have to wait until XX/XX/XXXX. I intended to utilize the free hotel room in XX/XX/XXXX. I have contacted Chase and they refuse to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NC

Complaint narrative:
I.Q. Data International , Inc. is an unethical -- -at best -- debt collection agency that uses inappropriate tactics to attempt to berate consumers into repaying debts. With that, I have dealt with several members of this team over the course of XXXX years in an attempt to resolve a debt due to some unfortunate life circumstances. In each encounter, I was greeted by a XXXX representative who belittled or attempted to remind me of what a " XXXX XXXX XXXX' I was for having the debt in the first place. In this most recent incident, I called in an attempt to once and for all find resolution. I called the number listed on the document from previous failed attempts. The manager -- XXXX XXXX -- is a great salesman and attempted to sell me my debt very well by making statements that were at best vague and not factual, nor legally binding in any way, and used verbiage that insinuated they were laws that were not. Further, when I did not go along with his narrative he seemed to become agitated and told me I was becoming combative and it was my fault that I was in this position in the first place and he was doing me a favor. After some negotiating, he stated that we had been on the phone for 30 minutes and asked had I had come to a decision, and if not we were done with the call. I said I wanted to see if there were any other options but if he needed to go I understood. He then quickly dismissed me, said I was refusing to pay, and hung up. I called back and asked to speak to a higher-up manager. I was connected to XXXX XXXX -- Director of Operations -- in which case she very defensively told me she was already aware of the call, apologized for his inappropriate behavior, told me he would be disciplined, and then proceed to tell me why he shouldn't have offered me a deal in the first place and continued to berate me just as XXXX had done. I attempted to explain to XXXX XXXX that my strife was not with her, but that I felt the tactics were unprofessional and inappropriate. She proceed to get louder and tell me that I was being combative and she was a single mother. This company uses scare tactics, threats, belittling, verbal assault, and condescending behaviors to attempt debt collection. I ended the call by allowing XXXX XXXX to finish her passionate speech about why I should get no grace for my owed debt, thanked her for her time, said I would try again another time, told her that she worked for an unscrupulous  company and to have a good night.

Company response to consumer: Closed with explanation