vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
on the week of XXXX XXXX 2015. I received a " Debt settlement offer '' dated " XXXX XXXX, 2015 '' from LTD Financial services for a debt in the amount {$1500.00}. I did not recognize this debt as mine so I attempted to called LTD financial services to inquire about this alleged debt. I asked the phone representative to verify the social security number on the account. I gave him the last XXXX numbers of my social and he said that it did not match the number that they had on file for the debt. I asked him if they could then remove the fraudulently assigned debt from my credit report. the representative stated that I was a liar and that the debt was mine and that I was making social security numbers up to get out of paying the debt. I was called a " XXXX '' by this person and the representative implied that someone would visit my home to collect on the debt if I did not pay. after this phone call I sent a FDCPA verification letter to LTD requesting verification of the alleged debt which is currently fraudulently assigned to me ( LTD REF # : XXXX XXXX ) on the XXXX of XXXX, 2015 via certified USPS mail with return receipt. on the XXXX of XXXX I received the delivery receipt from USPS confirming that someone from LTD signed for, and received my verification letter. on XXXX XXXX In response to my request for verification under the FDCPA I received another settlement offer letter from LTD. on the XXXX of XXXX I mailed another letter to LTD reminding them of my verification request and urging them to fulfill their legal obligations under state and federal law. to date I have not received any form of verification of this alleged debt from LTD financial services. I believe that LTD has willfully fraudulently assigned this debt to me. this debt is affecting my ability to refinance my mortgage. the CFPBs mediation in this matter is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I was contacted at my place of employment after telling this company not to contact me at all. Also I have disputed the validity of this debt a few times only to be told that it was on me to prove that it was n't valid. there has been no proof or validity provided to me. There was a time when this company would leave messages on my place of employments answering machine well before XXXX and after XXXX. Also I was called on my cell phone by a automatic robot saying there would be legal action taken If I did not call a certain number which turned out to be their number. This company and their parent company has been sues by the CFPB for illegal collection practices. There debt collection practices are illegal and violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been getting calls from Midland credit. They call constantly using obscene tactics in fear. I was told from a caller because I could n't afford to pay that he " Knew a place I could get XXXX free meals a day ''. They have somehow gotten my mother 's phone number and told her they have a case with me with the XXXX XXXX district attorneys office. They are also now calling my partner 's parents. I have no idea how they are getting this information and the harassment will not stop. I saw there is a pending case on them as well.U.S. v. XXXX XXXX XXXX XXXX, XXXX, U.S. District Court, XXXX District of New York, XXXX. I feel helpless to stop these harassing and embarrassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
This isnt my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX, I ordered a size XXXX vest from XXXX XXXX online. Couple days later, after I received the item, I found out that it was too small so I returned to XXXX XXXX XXXX. The Sales Associates checked carefully upon returning and issued me a credit refund of {$540.00}. 

One month later, I found out that XXXX XXXX charged my credit card the same amount again without my authorization. Therefore, I called them to inquire the reason. The Sales Representative over the phone told me the vest is missing a label. Thus, they have to send the item back to me and charge me again. 

Upon receiving the item from them a week later, I checked carefully and notice all the label was intact, including the tiny size label hidden inside of the vest. I called them again to ask them explain explicitly what " label '' they were referring to. I was told it was the incorrect size label they received. I asked for a detailed explanation. They told me they would contact me once they confirmed with the warehouse department. Ten days later, there was still no reply from them at all. 

Hence, I took the item to the XXXX XXXX XXXX and had the Sales Associate to confirm the size for me. She acknowledged the size I am having is Size XXXX not Size XXXX. I asked her if she could help me resolve this problem, she explained, because XXXX XXXX store and online are totally different enteritis, so I have to contact XXXX XXXX online for returning process. 

Please check the picture I uploaded earlier, it clearly shows the vest I have received from them is size XXXX not Size XXXX. I have no clue why they kept saying it is size XXXX. Again, I tried to contact them but no one seems to care to help me out. 

What XXXX XXXX online did to me is absolutely absurd. Just because they retain my credit card information in their system does n't mean they can recharge me at anytime without my prior consent. 

I contacted the American Express Credit Card to open a dispute but they did not in favor me but did not explain why I have to be charged at the second purchase that I did not authorize. 

I tried to cancel an American Express XXXX XXXX earning card after a fraudulent charge appeared on my account but no one takes action to protect my interest. They told me that I have to wait until next year in XXXX to cancel my account otherwise they will forfeit my cash back earning. Given that it 's only XXXX now and I do not want to wait additional 7 months to cancel it. This is a very unfair business practice for customers who have been doing business with them since 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates has been and is knowingly reporting false information and using false threats of imminent lawsuits to attempt to collect a debt. 

I began receiving threatening phone calls on multiple phone numbers belonging to myself, my XXXX parents, and my girlfriend, where Portfolio Recovery Associate 's employees were stating an attorney had reviewed my file and a lawsuit was going to be filed in XXXX XXXX county, where I resided. As these were mainly left as voicemails with no identifying information, it scared and intimidated my family and I. I began incessantly checking the court docket to see who might be trying to sue me. I was n't aware of any pending litigation and had not received any type of written communication. My XXXX mother is still afraid someone is going to sue one of us due to these calls and voicemails that she received as well. I retrieved my credit report and found XXXX accounts listed from Portfolio Recovery Associates. I was alerted to the CFPB investigation and realized I was a victim as well. 

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. Apparently they bought XXXX accounts, XXXX from XXXX XXXX and XXXX from XXXX XXXX and have continued to falsely report themselves as a factoring account company which they are not and they list a past due balance, but I 've never entered into any contract with Portfolio Recovery. How can I be late? The account numbers are partially listed on my credit report as XXXX and XXXX. This is a collection account that is not being reported as such and is further negatively affecting my credit report and score due to this company 's false reporting. I 've attached a screenshot of my credit report showing I have no collections, but yet Portfolio Recovery remains due to their false reporting. 

In addition, they are inflating the amount owed to show an amount higher than what was reported by the original creditor as shown in the attached screenshots. They are also falsely reaging the account, reporting a date of first delinquency that is much later than actual, forcing this to stay on my credit reports longer than it should. I 've attached the payment history reported by the original creditor, showing a much earlier first delinquency. 

Portfolio Recovery Associates has made my life a living nightmare, with the threatening phone calls, and intentionally reporting inaccurate information to essentially poison my credit report. They 've never even mailed me a dunning notice so their sole intention is using aggressively deceptive, illegal tactics. 

We are looking to purchase our first home and this is severely hindering the process and causing a great deal of XXXX. We have a small child with XXXX plus XXXX and need this to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened up a billing dispute for an item never received for my American Express Card in the amount of XXXX on XXXX/XXXX/15. It was for a custom engine that was never received and this non deliver was verified by third party California XXXX XXXX XXXX XXXX. The XXXX agent advised me to use continue the dispute process through my credit card company. I initiated the charge back via telephone, they were very helpful and mentioned they would get to the bottom of it. They opened up a chargeback and gave me an online resolution department to check status. I went online and noticed they had put the reason for dispute as an Unauthorized charge. I thought this was strange, and I actually called back in shortly after and asked them to change this to correct reason of dispute ( good not recieived ). The service agent told me ( paraphrase ) " their is only one reason in our system so this should be ok, just write a letter explaining what happened and our resolution department will take care of it. '' I thought it was odd at the time that they only had one classification but I wrote in a letter explaining that I was charged for an item I never received. The charge back was ultimately closed, where they did in fact close it as an authorized charge. I wrote back letting them know the mistake and they reopened. Unfortunately same thing happened, miscatergorization, same outcome. I had to contact American Express multiple times and and eventually request a manager who then correctly categorized dispute as items/goods not received. They went back to the merchant and ask for more information, the vendor told them he had given me the engine and they promptly closed case, despite having no evidence that this was actually done. I then had asked for the proof used by American Express to side with vendor. This went around a few times, with this evidence never being provided by American Express nor merchant. Ultimately American Express suggested I go back to the merchant, despite not removing the billing error nor providing any evidence to show that I had received item in question. My concern is how American Express can not remove a billing error and then suggest that I go back to a merchant to work things out, instead removing a valid billing error that I raised. I had tried to work with vendor multiple times and would never gone the route of billing dispute or have an independant investigation if things were workable. I can provide all communication between American Express and I. I also have same information regarding communication between vendor and I. I can also go to court, if needed, to bring the supeonable evidence which will corroborate my case. 

The heart of the matter, I raised a billing dispute, American Express did not remove this dispute. The provided no evidence ( after multiple requests ) that the items were indeed delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
EMAIL and then my response : Bank of America XXXXXXXXXXXX ; Re : Your Card Has Been LimitedYour bank appears to be the most inept I have ever encountered! I 'm not downloading anything you send. I have been at this address and had the same phone number for well over XXXX years. XXXX XXXX XXXX got rid of you for handling all of their clients, including me, so poorly. And when my husband died over XXXX years ago, several different bank, including yours, bought the XXXX mortgage he 'd had, and your bank caused me way too many aggravating problems. Now you are attacking my credit card limits ( again!!! ), after already removing my {$70000.00} credit limit that I 'd carefully earned on my XXXX XXXX card [ you cut me back to {$25000.00} ] to help you scam the Feds by creative number management. You built the huge crash on my back, and turned me from middle class to the working poor, and on XXXX. I hope the Feds close you down, and split up your huge feeding monster that helped to destroy my financial security and my health. Your top people need to be incited and ideally lose their ill-gained assets, and jailed in an awful prison, not a federal vacation complex. You can take pride in receiving one XXXX rants I 've ever delivered to the parties who 've wronged me in almost XXXX years of my adult life. 

XXXXOn XXXX XXXX, 2015, at XXXX XXXX, " Bank of America '' XXXXXXXXXXXX ; wrote : Some information on your account appears to be missing or incorrect. 
We have attempted to contact you by phone to speak with you personally but have been unsuccessful. 
As a precaution we have reduced your daily purchase limit. 

At this time we require that you verify your account information. 

To do so, please download and open the document attached to this e-mail. 
Please follow the instructions from the document. 

Please verify your information promptly so that you can continue to enjoyall the benefits of your Bank of America account. 

This measure is mandatory, failure to do so will continue to limit your access to Bank of America. XXXX ; XXXXThis bank needs to be completely dismantled, and moneys given to those of us they have so damaged. The big shots at the top need to be equally demolished financially and prosecuted to the extremes allowed by law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have lived in my home since 2005. However, I suffered a loss of income and got behind and got behind on my mortgage. I have regained full employment and have tried to get assistance from the mortgage, but have been denied. 
The only option they propose is a short sale. When asked the reason for the denial the answer is " the investor XXXX '' has not given authorization. When contacted, XXXX says the bank has the responsibility. 
This is very confusing and frustrating. I do not want to lose my home. 
A previous compliant was filed last XXXX. However, the CFPB representatives have been unable to locate the results.

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 2015-07-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We acquired a mortgage on a double wide trailer and XXXX acres of land. I was deemed permanent property, but Bank of America still put a separate electronic lien on the double wide. The entire loan ( mortgage ) was paid off in XXXX of 2014. We have contacted Bank of America, XXXX Bank, Our local DMV, XXXX multiple times, have all the paperwork and Bank of AMerica still has not release the lien. According to XXXX they are the only ones that can release the electronic lien since they are the ones that established it. Also apparently we are not the only people they have done this do according to our local bankers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been repaying my loans for the past 11 years. XXXX being the former owners in my opinion was hard to work with in regards to forbearance utilization and deferment assistance ; Navient is by far worse. I have requested several times to have my co-signers removed as I am not in default on any of my XXXX loans and that has yet to happen. I also tried to obtain copies of the original contracts for the loan request and a year later have not received the documents. If it was not because these loans werie private I would have been forced to file bankruptcy with what they expect for repayment monthly based on income rather than how much your household expenses are. The interest is higher than ever by time most students are able to replay these loans we will be drawing social security ( if any. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America does not allow cash deposit to be posted to the account one deposited after XXXX through the ATM, but they are allowed to post checks and other payments after XXXX resulting in overdraft fees. For instance on XX/XX/2017 my account went into overdraft by XXXX bucks, I deposited XXXX bucks into my account at XXXX to bring my account balance to XXXX bucks. Low and below I got an alert saying saying the my account fell again to XXXX bucks after XXXX due to a monthly payment that I forgot but was unable to do anything about it since as I said earlier that cash deposits after XXXX are counted for the next day. I was subsequently charged XXXX overdraft fees totaling XXXX bucks because of there posting practices.

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 2015-11-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This summer I started the process of refinancing my home with Bank of America to lower the monthly payment. 
When I initially spoke to the loan officer, around XXXX XXXX, 2015 the discussion of the configuration of my home was discussed, that there was a guest suite in the lower level of the home. A friend of mine is staying there at this time. There was no discussion that this would be a problem. 

After I satisfied numerous concerns that were raised as to income, insurance etc. there was a call XXXX asking for a charge card so an appraisal could be done. At this point the only concern The loan officer addressed was that the house would appraise at least {$180000.00}. At this point there was no mention of any problems. The fee charged on XXXX XXXX was {$460.00}. 

After the appraisal was completed, I was asked to provide another letter of explanation for XXXX items. After I provided these I did not hear from the loan officer until I contacted him on XXXX XXXX to ask the status of the loan. When he contacted me he stated he had made multiple attempts on getting an update, there was nothing left remaining on my file. He was to double check. 

On XXXX XXXX late in the afternoon I received a call stating that the underwriter had refused the loan because there was a kitchen on the lower level. This was the first time this issue had been raised. This is a fairly common configuration in houses in this area. 

Needless to say I am concerned about the money I have invested in the appraisal of this property and would like to address my dissatisfaction with the way this matter has been handled. If this loan does not go through I would like to be reimbursed for this expense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and successfully graduated with a XXXX. My Private loans went through XXXX XXXX, who has since changed names to Navient due to another Class action lawsuit. Needless to say the Customer Service and loan tactics have not changed. 

I have XXXX Private loans with them, XXXX of which are cosigned by my parents who are both on fixed incomes due to retirement. All XXXX loans were in some form of Forbearance due to me not finding a job within the field of study I have the XXXX in for a number of years and not making enough to pay the balances owed along with regular living expenses. the Forbearance periods I have been told are not available now, apparently there are restraints on how long a loan can be in forbearance regardless of your financial situation. Until the company name change they have refewsed to try and work out a feasible repayment plan, although, at this time, we were able to agree on an Income Contingent program, although for some unexplained reason, the XXXX cosigned loans are not eligible and every program I 've requested about has resulted in there management department ( what ever they care to call it ) causing those loans to be listed as late or delinquent even though they are on a monthly automatic draft payment that they setup and agreed too. Now that the College I attended is no longer an establishment, and the loans were obviously predatory as to this day I still cant afford the approximate {$700.00} a month the payment would be if not on the IC program. Is a portion of this, if not all of it forfeit and charged off due to the predatory nature of the loan?

Company response to consumer: Closed with explanation