vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MN

Complaint narrative:
In XXXX my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid Discover now claims not to have been paid. 9 years later a debt collector XXXX XXXX XXXX is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and XXXX XXXX XXXX to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX  seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ACOPIA CAPITAL GROUP
State: FL

Complaint narrative:
I first tried to do conventional, however the home is in XXXX XXXX XXXX and has to go FHA for whatever reason. The first Loan place, XXXX- XXXX XXXX XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX phone XXXX did the appraisal. this lender could not do FHA so i had to go thru a different lender. XXXX XXXX NMLS # XXXX Loan Processor XXXX XXXX XXXX, XXXX. NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Phone : XXXX XXXX. XXXX Fax : XXXX the first lender did the appraisal and refuses to give to the new loan officer.  and FHA will only take the first appraisal so i can not have another done. XXXX XXXX is trying to wait as long as possible to make me loose this house as my closing date is X/XX/2017 and if he does not hurry up and turn over the appraisal i can not get everything done it time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Payment date changed by 3 days as well as despite paying for over a year. If the interest rate was lower then payments would not be a problem. But they will call me 4 or 5 times a day on two different numbers. That 's 10 calls a day. And if I answer and as to call back because I 'm at work they threatened to reposes vehicle if I hang up.

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 2017-06-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Pre-paid rebate card issued by Citi in conjunction with a promotion with XXXX expired after only 2 years when it appears that both Federal and NY State law prohibit expiration and/or abandonment of such funds in no less than 3 years in some instances and 5 years in others. <P/>Citi offered no explanation or information about the funds that are " gone. '' Amount lost is {$470.00} I requested either a replacement card or check in the amount lost and was denied.

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 2017-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen was the loan servicer of my loan. Ocwen then sold it to  XXXX   XXXX , who gave me a trial payment plan. I went to the lawyers who represented Ocwen, but they will not cancel the eviction scheduled on my home, even though they no longer own it, and I am in a trial payment plan. They have extended the order of possession, even though Ocwen is no longer the owner of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Banks accounts opened at XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX were opened or attempted to be open. TD bank was successful they added a account under my name. Transferred monies from my main bank account in a different location Fraud did not catch it in time. Also my mail was forwarded for 5 times now to another location unknown to me, and in turn many of my checks were returned to sender. <P/>I do n't have that info anymore as the account is closed tied to the frauded acount. I need help in finding who is doing this and why.Local Police were alerted and case numbers for both are : XXXX XXXX Contact XXXX NJ Police Department at XXXX for all paperwork. I will also forward anything i have. Posted on XXXX and XXXX today too.Targeting me because I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will not get you anywhere just fuel my case even more. United states Postal service you forwarded my mail 5 times now with held my mail and sent it back many times after i ask you for an exclusion which means unless i directly come in there with ID, social security and birth certificate and my signature you are not allowed to accept any forwarding of my mailing address to anywhere. You however vilolated my rights as a US citizen and not protecting us will be entered in a lawsuit. I hope you all see how well you think your protected but really not. I also hope none of you go through this. If I have to pay for a P.O. Box you will be forwarded your own bill. I am not going away and refuse to be treated in this way. I want all to see this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The loan servicing was transferred from  XXXX   XXXX   XXXX  to Select Portfolio Servicing in   XX/XX/XXXX ,  but no notifications were ever sent out. Payments continued to be sent to  XXXX  until   XX/XX/XXXX  wh en a letter was received that payments were going to wrong company. Violatio ns under12 CFR 1024.33.    XXXX  No one from  Select Portfolio Servicing ever called to see what was going on and to counsel as to what should be done. Violations under 12 CFR 1024.39 and 12 CFR 1024.40.    XXXX  Had the servicers done their job the home would not be at risk of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX transferred {$1000.00} from Wells Fargo bank to me for her rent. Wells Fargo linked the payment to my email address XXXX which resulted in chase bank rejecting the transfer of funds because I have no account with them.and surely sending money to an email address can not be a sound or legal practice. I have called the bank 7 times been on hold and calls for over 2.5 hours and conferenced called with XXXX and XXXX from the XXXX XXXX AZ branch. My renter, XXXX XXXX, has visited the branch three times made multiple phone calls. She told me that the branch said it was my fault and I needed to figure it out. I asked for the district manager to call me XXXX XXXX which he never did. I received a call from XXXX XXXX executive office for online banking instead who told me I need to call a clearing center and wait 10 more days. Meanwhile I am being charged {$25.00} per day NSF by my bank. There is over {$1000.00} floating around in cyber space and Wells Fargo will not pay me or rectify the situation. Wells Fargo is putting the responsibility on me to call chase which I did, to call clearinghouse, to communicate between Wells Fargo online banking and branch management and I am not the banker. I am not employed there and I have called and done everything I can. Then a private note was forwarded to me that the banker made saying I 'm not cooperative, which I have attached and it makes no sense ( the comment ) in general. I did everything I can and it is not my tesponsibilty to find the money because according to XXXX it never left Wells Fargo. Please help.

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 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
In 2013, I open a M & T account for direct deposit. Without notice, a lawyer somehow put a freeze on my checking account. I was n't aware of the freeze until I went to use my check card. I was not given any notice that my account was going to be put into a freeze status. After I went to court and explained to the judge what happened, he released the freeze from my account. I closed the M & T checking account because I was not happy with the way they put my account into freeze without letting me know first. Later, I was charged by M & T bank for extra fees for some very small unauthorized charges. I 'm not sure what these charges for or why they were put on my account, but I was held accountable for them being charged {$38.00} fee on a {$1.00} charge, etc. This was done three times for very small charges. I was n't made aware that I had a balance until I went to have my name added to account with my husband at XXXX XXXX this year. XXXX XXXX would not allow me to establish a joint checking account with my husband because they said I had an outstanding amount to pay at M & T. I need these charges to be investigated because I feel they were unrightfully charged against my account at M & T and wrongful bank fees were applied giving me a negative rating with XXXX XXXX  for minor unauthorized charges.

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 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC
State: TX

Complaint narrative:
XXXX XXXX aka XXXX XXXX XXXX based out of XXXX XXXX, Colo. <P/>I had a pre approved by XXXX XXXX services rendered in XXXX of 2013, I have no access to XXXX any longer i am subsequently divorced from my military husband. XXXX initally paid on these charges then resended them due to my divorce. Paid my deductables at XXXX, I find 4 charges on my credit report from the same entitiy .. I called XXXX and they state we tried to bill you you never paid, I moved and funny all my other bills followed me. I say well lets see how we can work on this, nope, its with credit now. I look they have billed it 4 differernt ways under 2 separate " XXXX " renewed it under a different name.. <P/>I have sent letters to the credit company that is on line with the bills, the two entities of the company that began the billing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Years ago I purchased a vacuum from a sales representative for the XXXX XXXX. We arranged a payment plan for me to pay off the vacuum and after making the final payment the representative returned with a new model and told me that he would exchange the older model for the new one and included a 2 year warranty. How ever I was told I would still need to make payments on the new model, so the representative gave me a new payment plan for the new model without subtracting the cost of the previous model I had already paid for. I continued making payments on the new model and after a few months the vacuum had stopped working. I contacted the representative who told me to contact another number who told me to contact another number and so on until eventually I was told to contact the company. After coming into contact with the company and explaining that I was still within warranty the company refused to replace my model or repair it. I told them that I enjoyed their product very much and that I 'd be more than happy to continue making payments, but that I would not resume making payments if they refused to honor my warranty. At that point the representative on the phone made vague threats about this damaging my credit score and/or having me arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Capitalized interest in the excess of 100k during forbearance. This caused my loan to increase to over 200k thus causing me to need a conventional loan for the house I am trying to buy me and my daughter as a single parent. I need 8 % down now despite having a good job. Rejected bill pay through my bank then attached fees for late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
The below lender have pre-approved me based on my explained job condition, however denied me from final approval ( in fact did not give any response until I lost my ability to recover my easement payment of {$3500.00} ). <P/>Finally after my pushing of several days for a response ( one way or another ), they denied the application. But they this time, refused to transfer the Appraisal that I paid for, to the new lender that I have agreed to work on. There is no contract that says it is their appraisal as I paid for it and only gave authorization to appraiser to release it to them. <P/>The transfer of appraisal has no cost to the lender nor hassle. But it will cost me over {$520.00} again to order a new one. <P/>I would like to file a complaint about this lender. <P/><P/>Lender XXXX XXXX ( aka Cardinal Financial Company ) NMLS # : XXXX Loan Originator Name : XXXX XXXX NMLS # : XXXX Lender Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: NY

Complaint narrative:
I have tried multiple times to get help from XXXX XXXX, ( Servicer ) to afford to keep my home. They purposefully not returned my calls and the always find and excuse not review the multiple packages that have been sent. They ignore my calls and when they do pick up, they always tell me that only the person assigned to the file can give me updates. That assigned person is never available. They have had 2 or three complete loan modification packages, over the last 2 months, sent to them but no official review from this servicer. They are not helpful and I believe are more geared towards collection then home retention assistance. It appears that the do not really care about helping their customers find a solution. I asked many times to speak to a supervisor and they just patch me through another representative who has the same attitude and responses. It 's like a vicious cycle of not getting anywhere. It feels like it 's being done on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an account on my credit report that was opened by someone else not myself. I do not know who that was as I never gave anyone permission to open accounts. I went to the police department and they gave me a police report to help me with resolving this account. I have provided this infomoration to equifax and have asked them to provide me all information and documentation on this account from the source so I can provide it to my investigator but they do not give me any such information and just keep verifying the account as mine. I know this is not what they should be doing. I know they are not even contacting the source and providing them with my police report and circumstances of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. XXXX and Transunion. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.

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 2017-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX {$60000.00} Tried repayment plans, takes 25 % of my monthly income making it impossible to support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: MO

Complaint narrative:
I keep receiving robo calls from XXXX with a message that identifies the caller as " XXXX XXXX XXXX XXXX attempting to collect a debt. The first call was received X/XX/2017 and the second call was received X/XX/2017. They ask for me by my middle name, which is the name I go by personally, but any service or business transaction I register under my legal first name. I also know for a fact that I do not have any delinquent debt. I just bought a home a few months ago and had an excellent credit report then ( upper XXXX ). My first mortgage payment has not even come due at this point, and all other services I pay for are up to date. I had a utility bill go a few days past due by mistake but it was paid off before service was even at risk of being shut off, much less the delinquency being reported to a credit or debt collection agency, so I know there is nothing due here. I assumed this was a phishing scam, but recently read reviews online of others who have had problems with this phony debt collection scam including having the fake debts listed on their credit report. The reports also state that calls to this company are met with rude people who claim they can not divulge who the debt is for and only wish to collect your credit card and social security information to pay it. I do not wish to have my credit damaged over this false claim by this dubious company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I went in to Bank of America in  XXXX   XXXX  in Georgia to cash a check drawn on Bank of America that my husband wrote to me I was given a pamphlet indicating that beginning  XXXX   XXXX  they will start charging {$8.00} fee for non account holders to cash a check drawn on Bank of America I think that is discrimination and pressure to have people open bank accounts I choose to bank with another bank and choose not to deposit the check into that bank because I prefer to get the cash. Banks should not be allowed to charge consumers who do not bank with them to cash a check from an account holder that banks with them it is simply greedy and unfair

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 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am in receipt of two letters from Portfolio Recovery Associates, LLC dated XXXX XXXX,2017. This letter claims that I owe Portfolio Recovery Associates, LLC. On both letters Portfolio Recovery Associates, LLC are representing themselves as the current creditor of these accounts from XXXX XXXX  and XXXX XXXX in the amounts of XXXX and XXXX. I am filing a complaint because Portfolio Recovery Associates, LLC are representing themselves as a creditor but Portfolio Recovery Associates, LLC has never extended any type of credit to me. I am asking that Portfolio Recovery Associates, LLC verify that they are in fact a creditor and that they have extended credit to me or delete these listings from credit report. They also have included two different amounts for the XXXX account in the amounts of XXXX and XXXX. Im asking that the verify these amounts as well. Regards, XXXX XXXX

Company response to consumer: Closed with explanation