vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
I do not have a legal obligation to this company.There are no signed contracts with them. Yet they have reported the debt as delinquent to the credit bureaus. I have provided them with court documents providing proof of the current and legimate mortgage holder. They continue to harass me with constant mailings. This has been going on for months. They are a debt collection agency posing as a mortgage company.Their reporting date is  XXXX     2010. Also they have issued an insurance policy WITHOUT my signature on an insurance application and without having insurable interest. Totalling illegal yet they are allowed to continue to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I purchased a vehicle and was given a due date of the XXXX of every month.XXXX/XXXX/XXXX I called them and advised them I get paid on the XXXX of every month. I asked if I could change my due date. They said yes after the XXXX installment is made. I said ok. On Monday XXXX/XXXX/XXXX I made the payment online. I received a call around XXXX later that day and was asked for my last 4 of my ss #, full name, adrs, etc ... .. I told them I did n't feel comfortable doing that since I already made the payment online. I understand a call the same day if the number was already loaded into a phone dialer. So I called back and asked if they called and explained the situation. The guy who answered the call advised me that I would not get anymore calls, and made notes about the payment online as well as emailed me a payment date change form. Tuesday XXXX/XXXX/XXXX, I was n't comfortable giving my info out so I asked for a supervisor, I was transferred to another agent instead. I told the agent I wanted to speak to a supervisor, they refused said they were n't available. I told them I was at work and could wait any longer. I told her the whole situation, she advised me that a supervisor would call me back. I never received a return call. XXXX/XXXX/XXXX I still get a call.. I 'm being told for the third time that I will not receive calls anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: AL

Complaint narrative:
While looking over my credit report I noticed I C System listed on my credit report. I have no idea what this debt is and it has not been communicated to me. This has caused stress and loss of potential income. The debt does not belong to 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 2017-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have opted out of receiving credit card offers with all of the credit agencies, yet I continue to receive offers in the mail from  Capital One . I do NOT and have NEVER done business with them.     I have called them and asked them to stop yet I still receive offers almost weekly. I want it to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: NC

Complaint narrative:
Debt placed for collection on  XXXX / XXXX /  XXXX  . After multiple attempts to verify debt, nothing was ever sent or reported to me. I have also discovered this company is NOT licensed to collect debts in the state of North Carolina as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I signed for a VA loan for a house and purchased a home on  XXXX    XXXX . My monthly payments were {$960.00} which also covered the escrow annually. Within two years I received a letter from Chase Banks stating they are now owners of my mortgage account and they will be receiving my m onthly payments. Within months, I received a letter from Chase stating my monthly mortgage will now be {$1000.00}. I called Chase and asked why which they said because my property tax has gone up and  XXXX  was not covering the additional taxes. I called  XXXX  and they said the taxes had gone up but very little.  XXXX  also said they p aid Chase the correct amount every six mont hs and would like to set up a conference call with them to discuss any issues. The conference call was made while at the Chase Bank office and the monthly payments went back to normal. The problem occurred again within a year and my payments went up to {$990.00}. I ca lled Chase again  informing them to stop raising my mortgage payments which they said property taxes are up again then sent me letters showing the tax height. On  XXXX   XXXX , I received another letter from  Chase stating  a monthly mortgage increase of {$1000.00} will be submitted. I called them as usual with the same request. I checked my account today and discovered the mortgage payment remained the same of {$990.00}. I have a VA deductible of {$4000.00} and a {$2000.00} deductible from New Mexico with both cover property taxes and should n't be reason to raise my mortgage taxes nor my monthly taxes and the only reason they have is for their gain and unlawful greed. I want this to stop because their actions are causing lots of unnecessary stress to me and my f amily. Case has  not offered any lower interest rates under the  XXXX   Administration memorandum, they only raise mortgage rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: North American Credit Services
State: FL

Complaint narrative:
I could n't afford the {$200.00} copay when I initially visited the FL hospital some time ago and was told I could worry about it at a later time. On Friday  XXXX   XXXX  around  XXXX   XXXX   ( mont hs later after my hospital  visit )  my sister sends me a series of panicked text messages asking me if I am ok be she had received a serious sounding call from an official type place that sounded government related and was all confused. I had no idea what she was talking about but she provided me with the phone number of  XXXX  ext  XXXX  and said they had asked for me. I called it and that 's when I realized it was FL Hospital collections looking for the stupid {$200.00}. I was totally embarassed. Everyone goes through a rough patch, but this company did n't have the right to put mine out on blast to my sister, while she was at work. I made up some bogus lie to my sister so she would n't know. I then called the number and extension provided and told them that they had no right legally to call my emergency contact from my medical file who is NOT financially responsible for me to attempt to collect the pathetic {$200.00} copay, especially my sister who was at work. I was absolutely 1000 % embarrassed and mortified. I then provided the woman my lawyer information as I am filing a chapter  XXXX  bankruptcy and requested not to be contacted any further. The woman who took my information said I would not be contacted any further. Since that day,  XXXX   XXXX , I have still been call ed 3 more  times regarding this debt by a different number :   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   and today   XXXX    XXXX , 2017  at  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
RE :   XXXX   XXXX   XXXX   (  deceased )  XXXX   XXXX   XXXX   XXXX   XXXX , MA  XXXX  On or around  XXXX ,   XXXX  , I,  XXXX   XXXX   ( d aughter and power of attorney ) purchased a bluebird card from  XXXX  and deposited {$800.00} appeox. onto it for  XXXX . On  XXXX   XXXX ,  XXXX , My mother passed away. I called and informed bluebird, the wanted a copy of my power of attorney, I sent it out. They closed out the account, but never sent the money back, Are they allowed to keep it? I have called but they keep hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On or about  XXXX   XXXX ,  2017 , I visited the Experian website to view my credit report. I thought I was entitled t o one free c redit report a year. On  XXXX   XXXX ,    2017, I noticed that Experian charged my Visa card for {$21.00}. I contacted Experian and  was told I entered into a contract for credit monitoring services, and I would be charged {$21.00} each month. I cancelled the contract immediately. The representative said I would receive a refund for the {$21.00}. I waited until  XXXX   XXXX ,    2017,  and contacted Experian a second time to ask about my refund. This time I was told that I would not receive a refund. Furthermore, there was no record that the representative promised a refund in our  XXXX   XXXX ,    2017  phone call. There is no way I entered into a contract with Experian on  XXXX   XXXX ,  2017 . I could not cancel a contract within 7 days if I was not aware that I had a contract. The Experian website is fraudulently charging for a service it does not provide. I received nothing from Experian notifying me of a contract. I encourage everyone to avoid the Experian website.

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 2017-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I want to report an incorrect transaction done at the local branch o f Third Federal on      XX/XX/XXXX . My I R A  CD  has matured so I requested it closed and the funds to be deposited into my IRA Savings account. The teller seemed to be having major difficulties with this transaction by initially treating it as a regular CD ; this in itself speaks volumes. Finally all said  and done, the IRA CD is closed and the funds are moved to the Savings IRA account, only this transaction was entered as a Distribution rather than a Rollover. My pleas were largely ignored and the teller kept on saying that since I made a withdrawal, this is a distribution, period. I was even asked whether I wanted the taxes withheld.   <P/> Apparently this teller is n't very knowledgeable about the I RA Rollovers. Ac cording to the IR  S 60-day rule, if I take funds from one IRA account and deposit into another IRA account, this is a Non-Taxable IRA Rollover, providing I do so within 60 days. In my case, it was a matter of a few minutes, yet the transaction was erroneously entered as a Distribution. Now I am on my own to try and prove the opposite to the IRS ; I believe the fees start at {$500.00}. This is n't fair.
<P/>
In the past, I 've done a few rollovers, and never a problem up until now.
<P/>
I am asking you to please step in and help correcting this mistake. I am requesting the status of the transaction to be changed from distribution to Rollover in accordance with the IRS 60-day rule. I did email the bank but have n't heard back from them.
<P/>
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
About two years ago, I put up an artificial tree for sale on XXXX. And almost immediately after doing so, a person claiming to reside in Florida wrote to me implying that he was interested in my merchandise and that he would send me a cashier 's check that should arrive shortly. As promised, the check arrived but I was shocked to find out that the check was not {$250.00} as advertised on my XXXX, but much more ; about {$1500.00} more! To be completely honest, I did have my suspicions especially when he/she told me to keep however much I thought I deserved but to mail the rest of the money to another location in Texas but blinded by my circumstances at the time, I shrugged it off convincing myself that things like this do happen. So I complied. I deposited the check to the Bank of America and later withdrew just about {$500.00} with plans to mail it as soon as I had the time to go to a money order facility. A couple days later, my friend who was familiar with posting items for sale on XXXX, informed me that this was a scam and that I should return the money to the bank and explain to the representative about the fraudulent check before it was too late. But when I went to the Bank, they promptly and quite rudely told me that my account was closed without any explanation and asked me to leave. I was infuriated but did as asked and thought nothing of it. But because of this incident, I am unable to open a bank account and now realize the sheer gravity of my mistake. I do n't have any documents to support my claim for it has been two years since the incident and since then I 've changed my phone and phone number multiple times. I swear on oath that my statements are true and would willingly go to Jail if proven otherwise.

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 2017-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I was contacted through mail by   XXXX   XXXX   stating that I owe d Synchrony B  ank/ PayPal Extras MAsterCard {$4200.00}. I asked for an investigation into the account because I had not set-up a PayPal Extra 's account. I re ceived from  XXXX  a stack of old statements which told me nothing about who had opened the account or who had made the purchases. I contacted  XXXX  and they said that was all the info they had. I, then, contacted Synchrony Bank disputing the charges and requested they look into the matter. After months without word, I became worried because of my pending divorce and I thought it would look bad on me for having debt that was n't being paid. Therefore, I made an electronic paym ent ( c heck #  XXXX   )  to  XXXX  on  XXXX   XXXX ,  XXXX  in the amount of {$150.00}. The next month,  XXXX   XXXX ,  XXXX , {$150.00} was debited from my checking accou nt (  check #  XXXX  ). On  XXXX   XXXX ,  XXXX , another {$150.00} debit was made to my checking account  ( ch eck #  XXXX   ).    On  XXXX   XXXX ,  XXXX , I received a letter from Synchrony Bank informing me that an investigation had been completed and had been resolved in my favor. After contacting  XXXX  and Synchrony Bank, I was told by Synchrony Bank to put a request in writing, to them, seeking a refund for the {$450.00}. On  XXXX   XXXX ,  XXXX , I had  XXXX  Law Fir m ( pe r  XXXX   XXXX   ) s end a letter on my behalf to Synchrony Bank requesting full restitution. As of  XXXX   XXXX ,  XXXX , I have not received restitution nor have I been contacted by Synchrony Bank.   I thank you for your help in attempting to resolve this matter.  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 explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meridian ARG Inc.
State: FL

Complaint narrative:
I received a phone call this morning from  XXXX . I did not talk to her, but her voicemail stated that she was a "   XXXX   XXXX   '', although it seems irrelevant and I 'll explain why later. She needed me to contact her immediately so legal action would n't escalate any further. She did not say what it was about, what it was for, what the amount I allegedly owed was, who was the debt from, no details just threats.
A few minutes later, my girlfriend gets a call from  XXXX  for the same issues. This time it was an " Agent  XXXX  '' who called. This time she gave a case number as if this meant something.
After this, I went to  XXXX  because whenever I get a phone call from a number I do n't know, this is the first place I go.   XXXX   is a website filled with victims of phone scams and harassment from debt collectors. As it turns out, I 'm not the only one who got the call. It appears that "   XXXX   XXXX   '' or " Agent  XXXX  '' or whatever name she uses or whatever company she claims to be working with has been trying to scam people since  XXXX .
Any debt that I had was taken care of years ago. The only debt I have is with a credit card, and that 's current and being paid. This was not the first time that I went through this so I 'm fairly certain that this phone call is a scam ; a shakedown. If someone were threatening me to take me to court or whatever, I would receive it in the form of a letter or a summons which I never got.

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 2017-06-16 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I pai d off my Bank Of American cr edit card in full on  XXXX  for amount of {$790.00} and there was not outstanding balance and i did n't make any other purchase since then. But on  XXXX  they took {$790.00} from my savings account. When i called customer service about the issue, they said I was charged multiple times. I requested them to refund the amount to my bank account and currently i 'm waiting for the refund.   My issue here is that why would they charge me multiple times? I 've never seen this happen with any other credit card provider. Now i have to wait 5 days for them to refund me.What if I needed the cash urgently? what if my account was overdraft?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
Received a rebate card for {$5.00 } ( I know  it 's a low amount, but it 's the principle of the matter ) from    XXXX   XXXX   afte r submitting rebate for a pet medicine (   XXXX   XXXX   ).   Card has {$2.00} remaining ( again the principle of the matter ), but physical card expired o n  XX/XX/XXXX . Pe r the CFPB advice on this website, my understanding is the funds should be valid for 5 years, and the issuer should reissue without fees.   I called the    XXXX   XXXX    number of  XXXX , and spoke with the customer service  rep. My car d tracking number is  XXXX . The rep said that they can not reissue the card if the expiry date is more than 6 months. It 's   XX/XX/XXXX   today, so I missed it by 16 days. I quoted your advice on this website, and he still said no. He was quite polite, and was obviously hamstrung by the company policy. I called on Frida y  XX/XX/XXXX , at   XXXX   CDT . I said thank you, and that I would be reporting the issue to CFPB because either  XXXX  is in breach of the CFPB guidelines, or the website is incorrect ( or perhaps my understanding is wrong? ) Anyway, I wanted to report this to you as I 'm sure these companies are making a lot of money, wrongly, off the backs of consumers.   Before realizing that    XXXX   XXXX    was owned by  Blackhawk Holdings, I  had also submitted an email t o Blackhawk Holdings for  another prepaid card that has {$10.00} on it that expire d  XX/XX/XXXX . I do no t expect a favorable response to that email given the information I received from their rep over the phone, so I am adding that card to my complaint as well. Number for that card i s   XXXX  , exp  XX/XX/XXXX , cvv  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: GA

Complaint narrative:
I applied for an FHA Home loan with First Community Mortgage Inc. on  XX/XX/XXXX . The Lender that responded back was   XXXX   XXXX   ( NMLS Originator ID Number  XXXX  ). After   XXXX   XXXX   and I had been in contact with each other about moving forward with the home loan process, and myself needing to do somethings in order to move forward. I finally received my pre approval letter for a loan amount of {$190000.00} from   XXXX   XXXX    on  XX/XX/XXXX , and it stated that I had 90 days to purchase my home or I would have to restart the process after the 90 days. I started my search for my new home, and i was lucky enough to find one on  XX/XX/XXXX , and put a pending contract on it. I put my earnest money down and paid to have the home inspected, after being in contact with   XXXX   XXXX  , he had me signing my loan documents, sending authorizations for the appraisal, and sending in documentations of my down payment, bank statements, Social security card, Drivers License all for me to receive a letter form   XXXX   XXXX  , whom I do not know or have ever met or spoke to ever, to send me a letter and say that my loan was denied on XX/XX/XXXX . After I had paid and invested my time and money. I was totally devastated and and broken from this loss. I invested and loss my time and money during this unjustifiable situation. I have all of my documentations, and correspondence from this transaction.

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