vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
This account has been re-aged. It was originally supposed to be removed XXXX XXXX now it is reporting XXXX XXXX removal.

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 2018-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
My name is XXXX XXXX and I have been seeking help for loss mitigation from Flagstar bank since XX/XX/XXXX( when my husband moved out ) I spoke with an agent there and they told me since my husbands name was on the loan that he would have to fill out papers with me or have my divorce decree that states me awarded the marital home XXXX XXXX XXXX XXXX, MI XXXX. My divorce was final XX/XX/XXXX. I was awarded the home and filled out another application and faxed it XX/XX/XXXX for loss mitigation at Flagstar Bank. I called mid XXXX to check on the status and they told me they never received it. I then re-submitted the application via uploading it to their website on XX/XX/XXXX Since my loan was a FHA loan I then contacted HUD agent XXXX XXXX who then became in contact with someone at Flagstars loss mitigation center. Tuesday,XX/XX/XXXXXXXX contacted me via email stating Flagstar had once again not received my new application. She then sent me another email stating she spoke with someone at Flagstar and to send them the missing documents ( XXXX XXXX award letter and Divorce decree page 10 ) by Thursday XX/XX/XXXXit would give them time to review my case. On WedXX/XX/XXXX I uploaded the XXXX XXXX award letter as well as page 10 of my divorce decree via flagstars website ( I have attached the proof of me uploading these documents ). Late XXXX I called Flagstar and they 1told me it was too close to the for sale date to review my application. Yesterday XX/XX/XXXX I called to request a log sheet of when I have called and they told me I have to have a court order to do that. So I am coming to you for help. I purchased the home for {$82000.00} and they are selling it sheriff sale for {$45000.00}. I dont understand why they cant help me reinstate my mortgage that is currently at {$78000.00} but can sell it under me for {$45000.00}. Any help is greatly appreciated. 
Thank you for any help resolving my issue, 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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis
State: PA

Complaint narrative:
Hi Im really taken back from by how they are reporting this XXXX card on my credit report they said the did an investigation but if they are following reporting laws they would see they cant report an account late after its closed. And that what they did I have the proof what do they offer me for further damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have made repeated phone calls to Huntington, to set up a payment plan and to find out the amounts owed on the debt. In XX/XX/XXXXmy balance on my credit report said {$890.00}, I was told I had to pay an initial {$200.00} in order to set up a payment plan to which I would pay at least {$50.00} each month by the XXXX of every month. I have since paid at least {$50.00} if not more a month. I have pulled my credit report and watched the dollar amount I owe decrease every time. I called 2 months to attempt to settle the debt because according to the credit reports I pulled it was under {$200.00} left on the credit. The gentleman I spoke to then was argumentative, could not explain how or why the credit report was reporting a lesser amount then what Huntington is saying I owe. I asked for a copy of my proof of payment they have and he agreed to send it, but I never received it. In attempt to make my final payment and get the negative debt off of my credit report completely I sent a pay to delete letter to Huntington on XX/XX/XXXX stating that I would pay the balance of {$32.00} to erase the debt. On my credit reports that is what the balance shows. I received a letter stating my balance is {$700.00}. I have explained that no letters have been sent stating a balance other than the letter that was just sent XX/XX/XXXX. Since they have continuously reported to the credit bureaus every single month if it was some sort of mistake it should have been caught a long time ago. It is a drastic amount from the {$32.00} balance this month that they have reported the balance to the credit bureau versus the {$700.00} they are now stating that I owe. I spoke to 2 people onXX/XX/XXXX from Huntington, 1 could not give me any answer and to why it is 2 balances and Huntington has incorrectly reported, I asked for a manager she told me it could possibly be because they do not report to the credit bureau every month. When I stated according the reports I have pulled, it updates every month she placed me on hold. After waiting several minutes she came back and informed me that yes they do report every month but still could not give an explanation for why this balance is coming up incorrectly every month. I refuse to pay an amount other than what is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX I noticed a delinquency on my credit report. I immediately contacted the reporting collection agency to dispute the debt because I thought it was identity theft. I learned from XXXX XXXX XXXX that the original debt was from XXXX XXXX XXXX for XXXX XXXX my ex-husband. We were divorced in XX/XX/XXXX and this debt was for an overdraft of his checking account in XX/XX/XXXX. I disputed the debt as I am not liable for his debts after our divorce nor did I have any knowledge or any part in what happened. I provided our divorce paperwork to XXXX to remove myself from any joint accounts years ago. I was told by XXXX XXXX XXXX that there was nothing they could do and that I was liable for XXXX debt. I immediately contacted XXXX to dispute the debt. I was transferred to a member's resolution specialist. I explained that situation and disputed the debt. I was told that I was liable for XXXX debt because they could not locate a copy of a signed release form. That is not my fault. I did what I had to do to remove myself from any accounts and I am NOT liable for my ex-hsuband's unpaid debts 6 years after our divorce! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has been calling family members and harassing them about a " PayPal '' credit debit they say I owe. I do n't have a PayPal account, I 've never had a PayPal account and I 've never had PayPal credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach PayPal to this complaint to inform them of the complaint. 

XXXX XXXX XXXX is not to contact me by phone again or make any attempts to reach me by phone again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Had a negative balance of {$160.00} due to needing to make an emergency purchase and scheduled payments being removed from account, the amounts that sent my account into negative balance were pending. Transferred money, {$190.00}, via XXXX direct deposit to the account to cover the negative balance until next paycheck. Amount should have showed as pending but it was not deposited until after midnight, which is also when the two charges causing the negative balance would have exited their pending status. 

Was charged two {$34.00} overdraft fees, sending my account balance back into negative balance because the transferred money was not enough to cover the initial amount and the {$68.00} in fees. Bank refuses to refund the overdaft fees even though the 2 charges that sent the Account into negative balance initially were not posted until the same business day that the transfer was posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Freedom mortgage took over my mortgage on XX/XX/XXXX. They tried to give immediate relief but they said I needed more income. Then they said that I should fill out a loss mitigation packet. I filled out packet onXX/XX/XXXX and sent it over night. I spoke with someone on XX/XX/XXXX and set up a payment for XX/XX/XXXX for XXXX. But as we continued to talk he said he could n't set up another payment because of the letter that went out. He also said that any other payment should be western union. I told him that after the payment of XXXX on XX/XX/XXXX I could pay 2 payments on XX/XX/XXXX and another payment of XXXX at the end of the month XX/XX/XXXX.That would be a total of XXXX. He told me i should be fine he was going to try and extend the date of the letter fromXX/XX/XXXX to XX/XX/XXXX. But after the talk with the customer care dept. I mailed off the loss mitigation packet and went to my mailbox to open the letter from freedom mortgage. It 's a demand letter for all past due payments for XXXX no later XX/XX/XXXXand if payment in full is not made they will require full payment of the entire loan. So with all of the money I have coming in profit sharing and my pay checks to get back on track Freedom mortgage is going to take my home. I would like to believe that they are going to help but after all of the negative reviews from this company I believe that they will just take whatever I give them and if it 's not the total amount byXX/XX/XXXX they will keep it and sell my home. I was working with XXXX but they sold my mortgage to Freedom Mortgage. I have worked so hard to get my home at this point I feel as if my only option is to file bankruptcy. This is not what I want to do but letters speak louder than a Customer  service representative saying I should be fine over the phone.

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 2018-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: TX

Complaint narrative:
I sent two money orders to XXXX XXXX. The first money order was for {$250.00} and the second was for {$490.00}. I inadvertently made one of the money orders payable to myself ( {$490.00} XXXX. As soon as I caught the mistake I contacted XXXX regarding the issue. It was at that time they informed they use robots in their payment centers to process checks. I was informed my check would either be cashed, sent back or destroyed by the robot. The check was processed. XXXX contacted the Federal Reserves to have the funds reversed but it will not be be sent back to me. I was told the funds would return to XXXX XXXX XXXX money order ). I have contacted XXXX XXXX and they outsource their customer service department outside of the XXXX. So communication has been horrible with XXXX XXXX. XXXX should have send the monies back to me. Now I 'm out of {$490.00} which was my payment amount to XXXX. I have spoken to multiple individuals regarding this situation. I do n't sense the urgency to resolve this issue either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
RE : Complaint against Wells Fargo Home owner in Texas and my house was destroyed in hurricane XXXX. I did not have flood insurance and was forced to get an SBA Loan to cover the costs to repair my home. Wells Fargo had set up a disaster and recovery dept. specifically designed to help people like myself in need of these recent XXXX disasters, but have hindered every effort thus far. The Wells Fargo case manager, XXXX XXXX was first placed on my case but never communicated with me. Once I informed Wells Fargo I had heard nothing from this XXXX another representative by the name of XXXX XXXX was put in charge of my case. XXXX XXXX informed me per recorded line that I had to fax certain docs and 2-3 days later this whole process would be completed. The docs were faxed on XX/XX/XXXX at XXXX ( time stamped receipts to prove time/date ) and the " 2-3 '' day deadline would have been XX/XX/XXXX or XXXX. Meanwhile, we have no walls on the first floor of our home and its been freezing temperatures. I have been calling Wells Fargo and pleading every day this week to please provide feed back. I then find out that the case has now been given to yet another representative, XXXX XXXX. It is day 6 and I 've been calling every day with a guarantee " per recorded line '' that this XXXX would contact me but still nothing ; no phone calls, emails, or postal mail. The ridiculous sad part about all of this is that Wells Fargo only has to fill out 1 piece of paper for the me to close on my SBA Loan. Wells Fargo is refusing to return my calls or provide me with this 1 piece of paper. Seeking legal counsel is no problem, however, I should not have to. We 're talking 1 piece of paper here and I have been waiting nearly a month for it. 

Thank you

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on XXXX. They are also in violation of the arbitration clause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX through XXXX XXXX in XXXX, TX on XX/XX/XXXX.

The amount to paid off is {$18.00}, XXXX  on the vehicle. I voluntarily gave the vehicle back on XX/XX/XXXX. XXXX is now known as Bridgecrest. Non of may payments were ever reported to any of the 3 major credit bureau indicating that I had an existing car loan.

Additionally, when I fell behind three payments in XX/XX/XXXX harassed me and threaten to repossess the vehicle unless I sign document s to put payments on the back-end and I would still be charged the interest on it daily. I feel that I was taken advantage of through predatory lending.

Also, the language in the contract was one-sided. It stated that The arbitration agreement itself contains a clause that states, in relevant part, Unless you reject this Agreement, this Agreement provides that upon your or our election, all disputes between you and us will be resolved by BINDING ARBITRATION.

If you or we elect arbitration, you will be GIVING UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under the Contract ( except for individual claims that may be taken to small claims court ).

Your rights will be determined by a NEUTRAL ARBITRATOR AND NOT by a JUDGE OR JURY

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 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX VIA FAX XXXX 3 PAGES XX/XX/XXXX Docket Number : XXXX  Index Number : XXXX Docket Number : XXXX Index Number : XXXX Dear XXXX XXXX ; I am in receipt of the two notices of garnishment received by regular mail Tuesday.

Please be advised of my interaction with Stephen Einstein & Associates and respond accordingly. I will have this order vacated based on the fraudulent activity of that firm. After receiving a collection letter from them and making contact in XX/XX/XXXX, I had several disturbing conversations with a XXXX XXXX from Stephen Einstein & Associates regarding XXXX XXXX XXXX XXXX XXXX. Based on his grammar, unprofessionalism and telephone demeaner, I pretty much determined this was some type of scam. XXXX XXXX then began harassing me via telephone. I have continually asked for proof that this debt is indeed mine, on the telephone, by snail mail and email. XXXX XXXX XXXX XXXX Debt was NEVER mentioned in all that time or any of these conversations.

I then contacted the firm via email, asking that XXXX XXXX stop harassing me by telephone and that I be provided with the proof Ive been demanding for over a year. XXXX XXXX at Stephen Einstein replied to my email promised the calls would stop and I would be provided with documentation. THIS NEVER HAPPENED AND I NEVER HEARD FROM THEM AGAIN.

Further confirming my suspicions that this was fraudulent. To now find they have sought not just one but two judgments is absolutely dumbfounding. This truly seems to be punitive, this firms is harassing me based on my insult to XXXX XXXX and his terrible grammar -I still dont believe he is a lawyer. Maybe he is acting alone, but his behavior is not only egregious its fraudulent.

I was never served, never given the opportunity to defend myself, and I was never presented with the evidence against me.

Please contact me regarding my next step in vacating this fraudulent judgement and subsequent garnishment.

Sincerely, XXXX XXXX CC : Stephen Einstein & Associates via email XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/2016 Wells Fargo was my note holder as well as the holder of the Home Equity line of credit. When the home was sold the Home equity line of credit was supposed to be paid off. I have contacted the attorney that represented me, XXXX XXXX XXXX PA law offices. The Law office advised me that there was a mistake made. I have been paying on this Home equity line of credit for 1.5 years believing that it was my mistake. I recently discovered that not only am I not getting the mortgage interest write off but that the home equity line of credit extended by Wells Fargo should be paid by the home owner. I have contacted Wells Fargo as well as the attorney office and have gotten little to no help. I was told there was a title mistake made. I have been told the attorney made a mistake. I have also been told that Wells Fargo made a mistake. I do not understand why I have been paying for this ( automatic withdraw ) for 1 year and 6 months. Please help in however you can. Thank you.

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 2018-01-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Purchase Date XX/XX/XXXX Dispute filed XX/XX/XXXX Seller sent email approving refund in full immediatelyXX/XX/XXXX PayPal stated NOT to send broken glass and I would receive refund immediately XX/XX/XXXX PayPal demanded I send broken glass to seller, upload shipper policy of broken glass not allowed to be knowingly shipped, file a police report and upload before making a decision XX/XX/XXXX PayPal employs threatening abusive policies and they refuse to refund purchase of car window that arrived shattered, after they stated they would refund and NOT to send back the broken glass as it was all over my carpet and I cut my hands trying to pick it up to send back. PayPal originally stated NOT to send the broken glass back and that I would receive my refund immediately. After a week and 5 hours of calls and being transferred to every department under the sun, they pivoted and wanted me to send broken glass back in the mail, but it is considered hazardous material and is illegal to knowingly ship broken glass. PayPal demanded I get written documentation from USPS stating they would not ship broken glass. PayPal also wanted me to pay for shipping broken glass back to seller. After upload of documentation, PayPal wanted me to file a police report stating I received broken glass or something and upload a police report before deciding if I would receive a refund. This is all after the seller stated in an email to me that they made a mistake and would refund my full purchase price. I even uploaded photos to the original dispute claim, but this was not enough, PayPal refuses to refund the purchase of broken glass that I cut my hands on and is all over the carpet in my home. I have a cat and feel this is absolutely ridiculous that PayPal is able to treat customers so badly and without any oversight or penalty for lying, abusive policies and threats that if I want a refund I have to file a police report. PayPal is the most criminal organization along with XXXX and should be forced to shut down. I even uploaded pictures for proof yet they feel freed to do whatever they feel like and have a power trip and the audacity to be above the law. PayPal has held funds for interest collection on millions of user accounts and I know their actions amount to fraud. PLEASE someone help me teach PayPal they are not above the law and that the POTUS is not the example of how to do business.

Company response to consumer: Closed with monetary relief