vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
Hi EOS CCA ; XXXX XXXX; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I reported a credit card charge of merchandise I did not receive to Wells Fargo, the issuer of a Wells Fargo Active Cash credit card, on XX/XX/XXXX. I informed the company that I bought the item online on XX/XX/XXXX and had not received the item as of XX/XX/XXXX, and the merchant was refusing to issue a refund. Wells Fargo assigned the dispute a number of XXXX. The disputed amount is {$130.00}, which posted to my credit card on XX/XX/XXXX. As of XX/XX/XXXX, more than 90 days after I reported the charge, Wells Fargo has not resolved the dispute. I've inquired about the dispute several times for an update and was told that Wells Fargo was waiting for information from the merchant. Wells Fargo has only issued me a temporary credit and every few days, I receive an automated email stating the company is still working to resolve it. Two billing cycles has passed, and it has been 90 days since the company was notified of the dispute. I've also contacted the complaint department at Wells Fargo to submit a complaint and received an overnight letter from their mortgage department. I don't even have a mortgage with Wells Fargo. I am getting nowhere.

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I currently have a foreclosure schedule for XX/XX/2022. I have been trying to get in touch with the " Substitute Trustee XXXX XXXX XXXX XXXX XXXX, who I am assuming is the same as " XXXX XXXX XXXX XXXX, as they have same contact phone number and business address. On XXXX, XXXX 2022, I spoke to " XXXX no last name, no job title, who confirmed the sale and I advised XXXX at that point that her company ( Trustee ) had not certified the foreclosure and they needed to cancel the sale. I have left XXXX message and spoke to XXXX on XXXX occassion 's and the last she actually hung up on me without answering my question. It is Virginia State Law that I must be notified by Certified or Registered mail. The Trustee could not give me the document number and my local post office stated that they did not have any certified mail come into my address in XXXX nor XXXX. There are things also about this foreclosure that makes me feel like it's not a legal foreclosure. I did some comparisions with the other foreclosures and these documents are including grantors who are no longer involved with this mortgage. For, instance a company by the name of Mortgage It. They sold the mortgage to XXXX XXXX XXXX and what is even more strange is WHY isn't XXXX XXXX listed on these documents. I want XXXX XXXX XXXX and SPS have to answer at least on question, What happened to all of the money that was sent to them to pay my mortgage payments. It went into a SUSPENSE ACCOUNT and then disappeared. I am at this point done done done done. I am prepared to move forward in a HUGE HUGE lawsuit. Based on, Banking Fraud, Lending Fraud, Mortgage Fraud, Wire Fraud. It ; XXXX prepared and ready to submit. They can give me a clear dead and title to my home, and XXXX XXXX Dollars, and I will hand over everything I have and not sell it to the news media. I can only imagine what will have to their STOCKS when the public see what they did. So, my complaint is : Virginia State Law says, I have to be given notice by way of Certified or Registered mail and that did not happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
See file attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
this all started on XXXX XXXX. I cashed a check I did not know was fraudulent until a representative from the organization contacted me to tell me the check was fraudulent. On XX/XX/2021, I notified XXXX XXXX of Chase Bank who believed the check was fraudulent. She informed me that the savings and checking accounts would have holds on them preventing me from using the funds. On XX/XX/2021, I notified XXXX XXXX that I did not have the ability to even get into the accounts to see what was going on. She called a representative from texas who basically said it was all about protecting the bank, not the customer and would not help me. I received a cashiers check for XXXX when it should have been XXXX and that is subtracting the XXXX, the amount of the fraudulent check. I even have a bank statement that reads on XX/XX/2021 that says for the account they say I owe money for for XXXX and it reads '' Debit DDA- Check Charge XXXX ''. They owe me XXXX, not the other way around. I spoke with XXXX XXXX and showed her the documents who tried to call the claims department who said they would issue a check for XXXX and this was on XX/XX/2021. She said to expect the check by the end of 2021. I never got it of course. Now Chase Bank sends me a letter saying I owe them XXXX when I have a bank statement saying it was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
This company has predatory lending practices and has not honored the agreement that was discussed between the preffered credit rep and the titanium rep and communicated to me. The company is rephrasing cash savings for the 0 apr any lending company can offer as an incentive. Also in talking to the project specialist they said my.apr was not established by my credit rating which at the time was between XXXX to XXXX. I was also mailed a revised contract that had a different apr rate orignal.apr was 21. 20 % and now it's 20.60 % on my online account so why was it lowered.? 
I am not mistaken about the incentive I was offered. As consolation prize they want me to clear 36 month tem loan in 2 monthsand they wont charge me interest? That would require me to make {$400.00} payments monthly They have sympathy for me but they should have also done their due dilgence to screen the companies they provided financial services to theough solucitation. The customer service representative was also impolite. Since I've paid 770 to date only 400 isj dollars has went to principal on {$1600.00} dollar loan as military spouse and vet I know the mla act covers up to 36 %. I notified the specialist as well that I was being overcharged in interest in addition the finance charge and premium service fee?. I want the 6 months of no interest/cash savings honored. My next resolve is to file a complaint with the ftc. I have no problem paying off the balance. I would like to do it in the allotted time I was given. Please see the email i sent to furyher discuss.. Especially how contrite their service rep was with me. I feel like I'm being preyed upon again with payday loan agreement terms. That's not what I signed up for. Credit cards financing are not this predatory. The company is listed as a financial institution surely they can fix this issue of fraudulent service. I can provide the altered original contract sent to me by them. I filled a complaint with XXXX. The company did not want to honor the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, La XXXX They have been calling My Husband and My Phone since last XXXX. They are claiming that I have cashed a check from them for {$2500.00}. 

I have never done business with them. Never cashed their checks. 

Please help stop the harassing calls. 

Please do not give them any of my contact information. 


XXXX XXXX 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 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
I received a mail stating that I owe financial recovery services, Inc, they said the debt is {$1500.00}. They are trying to collect on debt not owed. I am currently waiting on validation. If they can't provide please remove immediately for my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im in debt with Wells Fargo due to a fake check that was sent and Well Fargo was suppose to see if the check was fraud or not and they told me that its ok I deposited the check and something happens I ended up having to pay for it Im in debt because of unauthorized stuff with a Wells Fargo

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 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I called this company early XXXX to send me a verification letter when I saw a debt on my credit report. I was met with disrespect and threats. I was also getting calls all day long every day. XX/XX/2021 I sent a letter by certified mail asking for a verification letter and for them to only communicate through written correspondence. Their calls continued and debt was briefly removed and then re-added to my credit reports and I have yet to receive verification. The Fair Debt Collection Practices Act states that it is my right to have a debt that can not be verified within 30 days removed. It is long past the 30 days and this is damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Just need a 1098 in order to file my income tax return. 

Caliber does NOT provide the doc through their online access. 

Despite the phone service rep ( XXXX ) offering to email me the firm, I could not access the document that required a separate sign in. Instead of being patient, XXXX attempted to rush me off the phone at least 4-5 times by saying " I'm going to leave you to it ; '' in spite of my insistence that the sign-in was not working. After at least 3 repeated attempts to reset a password that I was able to sign into my account for, the password reset for the secure message still would not work. 

XXXX offered to mail me the form ; despite not having the correct address. After providing her an updated address, I asked to speak to a supervisor. XXXX stated that a supervisor was not available. 

I had to hang up with her. Call back to get a new rep ( XXXX ) ; and request an " escalation. '' This is my 2nd CFPB complaint against this company. They should be put out of business. They exist to foreclose on customers, not to properly and professionally service loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BMW Financial Services NA, LLC
State: MI

Complaint narrative:
Today at XXXX a tow truck guy pulled up on my property hooked the back of my vehicle up and attempted to tow my vehicle. I told him that it was illegal and that I will not allow his company to seize my property. This is a violation under 15 USC 1692e it states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Last year on XX/XX/2021 I mailed BMW FINANCIAL SERVICES a Cease & Desist letter, Invoice, Affidavit, and Letter Of Validation. Pursuant to 15 USC 1692g BMW FINANCIAL SERVICES did not follow the XXXX directions with in this federal law. Which is a failure and holds them civically liable under 15 USC 1692k to pay me in {$1000.00} in damages. Also another {$1000.00} for breaking the 15 USC 1692e law in attempt to collect an alleged debt by ceasing my property. BMW FINANCIAL SERVICES has been in violation of multiple FDCPA laws and I reached out to them to solve the damages by seeking remedy. BMW FINANCIAL SERVICES individual actions shows there persistence of noncompliance as a debt collector, and the nature of such noncompliance, and the extent to which such noncompliance is showing that there individual actions are intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF THE WEST
State: IA

Complaint narrative:
For previous credit card debt charged off by Bank of the West, I received notice of collections from XXXX XXXX XXXX back in XX/XX/XXXX. I proposed to pay XXXX per month, if able, to settle my debt of about {$9700.00} in five years. XXXX XXXX XXXX  did not respond to email requests and did not acknowledge receipt of my payments until XX/XX/XXXX when I was unable to make a payment until a month later. They then emailed back and advised me to call the collections agent assigned to my file, which was a direct violation of my request to only communicate by email as stated in the original note. 

From XX/XX/XXXX to XX/XX/XXXX, I continued to make monthly payments to XXXX XXXX when able in a total amount of {$3500.00}. My payments did not apply regularly to the account balance, and the reasoning given for this was interest rates. I distrust the agency 's records system because numerous emails were directed towards the incorrect name " XXXX '' and various agents ' names were used that did not provide further information. Also, requests were not answered to provide receipt of payments on several occasions and overall balance plus interest. I made a payment of {$75.00} on XX/XX/XXXX and notified collection agency that catch up payments would be made in XXXX for which a response was given : " Hi XXXX, This is to inform you that your account has been cancelled back to Bank Of the West, so please call them for any future payments. '' No notification was given that collections account was being cancelled. This was second time collection agency directly retaliated against my written request for no phone contact by demanding I call their office. 

Bank of the West also performed an inquiry on my credit report in mid-XXXX XXXX without my consent and without advising. I was still making a payment in late XXXX and see no reason for the company to make any inquiry on my credit account.

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 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
XX/XX/2021, a recent collection letter from these companies Amount {$4300.00} Attempting to collect a debt accused by Velocity Investments , LLC. 
According to Velocity Investments , LLC ; I owned them money for the amount of {$4300.00}. 
I disputed that letter because I don't owe them anything and I didn't borrow money from them either or never have a credit card from them. After a few months of the disputed letters ; registered and certified. Then Velocity, XXXX, XXXX gave my personal information to XXXX, XXXX PAXXXX And this Law office is now harassing me to collect a debt that Velocity is making things up. 
Their actions will totally destroy my credit background. It affects my mental ability to work because I am feeling stressed out by their actions.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have pages of inquiries that was not me and breached data showing up constantly using my email and other personal information alerting me that its showing up on the dark web also I am now dealing with a huge problem with my account through XXXX that I pay for to access all three credit bureaus was hacked and it took me forever to get back into it and I had froze and locked all accounts they were all unfrozen. I have never filed for unemployment and now received a statement from workforce wv from the IRS of file taxes stating someone claimed {$11000.00} using my information and have never filed for unemployment. I will filing police reports due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX CITI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by CITI Bank On XXXX applied for XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

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