vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Insight Management Partners, LLC
State: NY

Complaint narrative:
XXXX XXXX from this company calling aggressively dont know who he is even harrassing estranged family members who I havent spoken to in years. Sent a cease and desist letter will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC
State: FL

Complaint narrative:
On Friday XX/XX/XXXX while I was at work I received a call from a very unexpected person. A women who identifies herself as XXXX XXXX called her and told her that she was looking for me in regards to a legal matter. See what Ms. XXXX did was she contacted a 3rd party relative from my fathers family in which I have no affiliation or relationship with due to personal/family matters. Later that day this person Ms.. XXXX shared my personal information with had told another family member everything this so called detective told her. XXXX told her she was a detective working on behalf of XXXX county looking for me in regards to very serious legal matters. When MsXXXX called me this morning XX/XX/XXXX at XXXX this morning she lied several times which raised my suspicion about her credibility and how she handled matters. She was not honest about the location of her office and she also lied about the terms of the settlement. She declined that she was a debt collector and she said that she is a firm representative for the company which she would not disclose the name for which she was representing. When I asked for documentation such as a validation notice she Failed to make that accessible to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I was contacted by XXXX XXXX XXXX regarding a old payday I had with Checksmart however that debt was included in a recent bankruptcy that was filed. They threatened to pursue legal action against me even though I advised them this debt which is very old was included in the bankruptcy filing. I was hung up by two representatives after explaining my situation.If I don't pay the requested funds within two days they're threatening to contact my employer as well as garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens bank closed my checking account. Now I am receiving letters stating I owe money on a closed account. I was told it was closed so I am not sure why I would owe on a closed account. 

I was victim of identity theft in XX/XX/2019, and I am upset that the bank could not close an account without charging me fees. I spent a lot of time due to the id theft and I thought this was over. 

At this point, I want this matter resolved, no charges, or I am removing my money from this bank. I wanted this bank to help me and I have had nothing but trouble since the id theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: GA

Complaint narrative:
I NEED TO KNOW THE REASON WHY THE ACCOUNT OF XXXX. XXXX XXXX CORPORATION STILL REMAINS NEGATIVE ON MY CREDIT REPORT. YOU HAVE NO IDEA HOW MUCH THIS IS AFFECTING THE OVER-ALL PROGRESSIVE OF TRYING TO REACH MY GOALS. I HAVE A GOAL-SET IN MIND WHICH I NEED/ AND HAVE HAD MY FOCUSED ON FOR THE PAST COUPLE OF MONTHS NOW. I HAVE ATTEMPTED TO REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT SINCE XX/XX/2018. NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT HAS NOT BEEN REMOVED. I HAVE NOT RECEIVED ANY RESPONSE IN REGARDS TO THIS FROM EQUIFAX, PLEASE REMOVE THE ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
I was approved for a mortgage through XXXX XXXX   XXXX and Quicken loans ... pending underwriting. I proved rental history through signed letters from landlord and from taxes. Due to the fact I could not prove through a bank statement from XX/XX/XXXX to XX/XX/XXXX they denied my mortgage and proceeded to state they can keep my {$1000.00} earnest money. I proved all other dates and years through the bank statements I did have. I am a XXXX XXXX survivor and a single mother. This whole processes has taken hours of research time and money for copies, faxes, postage and they kept moving the close date because they could not preform their duties on time. I feel like I was unjustly treated for not having a bank account during those months but had proved rental history through all other documents. They have denied a safe dwelling for my children and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I never lived in this apartment community and I am being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a e-mail from a XXXX XXXX after filing a complaint to the XXXX XXXX XXXX XXXX. XXXX XXXX told me via voicemail that the XXXX XXXX XXXX XXXX provided my information to him. I tried getting in contact with him and haven't been able to. He tells me to only contact him by telephone. I went to my local Bank of America close to my home and spoke to a banker, not the bank manager this time. I also spoke to a live representative on the telephone who stated she doesn't know a XXXX XXXX. The banker who assisted me suggested it was spam or an impersonation. So I am writing to verify who reached out to me. 


Thank you, 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 monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have an acount with XXXX XXXX backed by Commenity Bank. That financial institution has failed to report anything regarding this credit card to any credit reporting agency in the last 2 years since taking over from previous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
In or around the last week of XXXX. I was informed that my mortgage had been transferred to a different servicer, LoanCare LLC. I was not informed at that time that my monthly mortgage payment autodraft would transfer to the new servicer. I attempted to log in to the new servicer portal on or around XXXX XXXX, but the loan information was not available at that time for customers being transferred from my old servicer. Because the payment was due, I called and made a phone payment through their automated system that same day to ensure I would not be late with my payment. 

On XXXX XXXX, the autodraft came out of the account, resulting in a double payment. I called LoanCare on or around XXXX XXXX to request the additional payment be refunded, and I was told that the funds would return to my account on or around XXXX XXXX. The refund never appeared. I called XXXX XXXX at XXXX to follow up and was told the customer service representative on the first call had failed to inform me that I would need to submit proof of payment in order to have the refund processed. The CSR asked if I would like to begin that process. I declined, since the mortgage is now prepaid through XXXX, and it's too late in the month to have any cashflow benefit at this point. 

LoanCare 's communication at the servicing handoff and at their customer service line has been abysmal. If I hadn't transferred money from my emergency fund to cover the potential double payment scenario, I would have overdrafted. In the short term, this has caused significant cashflow headaches for my household.

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 2019-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had an interest free for 12 months promotion on my XXXX XXXX credit card. A payment arrangement was made so that I would make equal payments every month until XXXX of 2018 when my account would have {$100.00} left in it and an autopayment was prescheduled for that amount. Due to the interest free period and autopay nature of this agreement, there should not have been any fees added to this account balance. However, after all autopayments were made on time, in XXXX of 2018, they claimed a {$30.00} fee was added and unpaid and promptly added {$840.00} in interest penalties to an account that should have been at XXXX and closed. I have now been sent to collections with Portfolio Recovery Associates for this large interest charge that was incorrectly added by XXXX. I have disputed this matter with both companies and have been told that it is out of XXXX XXXX  hands and that portfolio recovery associates deny my dispute. This is fraudulent business practices and I will not be paying these interest charges. I would urge anyone considering being a customer of XXXX XXXX to go to any other local electronics dealer where you will find a better deal and less predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I was working with PennyMac Loan Servicing on getting a loan on a new mortgage company. I was set to close on XX/XX/XXXX and made sure to constantly be in contact with our processor regarding closing date. On XX/XX/XXXX I received a loan estimate that was grossly incorrect. When I locked with the company my estimated closing costs were $ 17,000+ I had one condition to pay a {$9000.00} auto loan off. On XX/XX/2019my loan estimate was showing {$53000.00} needed to close. I then contacted the company to tell them this was incorrect. After going back and forth for 2 weeks they still had problems adjusting and fixing the closing estimate. On XX/XX/2019 the title company got a closing disclosure that read I needed {$23000.00} to bring to close when I confirmed this with PennyMac I got different answer from different people. On XX/XX/XXXX I had two people tell me {$23000.00} needed to close and one told me {$32000.00} needed to close. I even have it in writing I need {$23000.00} to close. On XX/XX/XXXX ( 3 days before closing ) I assumed everything was resolved due to my conversation 2 days prior. I learned it was not and then company would be pushing my closing because they forgot to order a flood appraisal and the earliest that I then could close was XX/XX/XXXX. I told them there would be a penalty to me if we can not close on the XXXX. They said we will worry about that when we get there. I was also told closing costs were back up to {$32000.00}. When asking for a closing disclosure I was not provided a new one the only ones I got was from the title company. I feel like I was being taken advantage of. I decided to part ways with this company and find a new lender. I am now having to pay penalties because of this company. When I spoke to management they stated they new a month prior I was not going to be approved for the loan but felt like I didnt need to be told that explicitly so I could find someone else. They wanted to have me try to just keep coming up with money to make it work. I have requested they pay my penalties because they did not communicate with me adequately and I feel like they stalled and stalled until I ran out of time to make a change. The attitude I got from the company was just wait it will work itself out or just wait we will work together but none of which happened. They did have a copy of our contract that stated how much penalties are if closing is delayed because of the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC has been  reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have sent several requests to validate this account with no response. This is not my account /debt. This is a hippa violation with no legal contract in place. Please remove from my credit report. Disputes has also be submitted. I'm prepared for further action this continues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I made a cash deposit into my checking account at an ATM. Within a minute, I transferred that money to my credit card as a cash payment. On XX/XX/2019, I made a cash payment on my credit card, through a B of A teller at a branch near my home. The teller accepted the payment in the amount of {$230.00}. The teller did not communicate with me about the payment, other than to take it and apply it to my credit card. I know this teller, and I know other people at this branch. 
On the next day, XX/XX/2019, I made another cash payment on my credit card, this time in the amount of {$260.00}. Again, there was no notification given to me other than the cash payment to my credit card was accepted. 
For some reason, my XX/XX/2019 payment was reversed without my authorization and my XX/XX/2019 and my XX/XX/2019 cash payments were placed on hold for 5 business days. No reason for the holds were ever given and no notice was ever provided to me at the time of payment that the cash payments would be held for 5 business days. 
Without any commercial reason or notification, Bank of America revoked my credit on this card on XX/XX/2019. The credit card remains closed. 
On numerous times and dates, I spoke with various members of Bank of America, asking someone to explain to me why the credit was revoked and Bank of America closed my card without notice on XX/XX/2019. 
On XX/XX/2019, I finally got in touch with a person in the department that revokes credit. That person, XXXX, in the Maine office ( the only office Bank of America has in Maine ) stated that he did not know why the cash payments were held, why the payment on XX/XX/2019 was reversed or why a review of my account was done on XX/XX/2019. He stated a credit bureau report was pulled on XX/XX/2019, without my knowledge and as a result of that action, the credit was revoked that date.

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 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to Capital One who currently holds the account. 

I have disputed XXXX with XXXX, XXXX, and XXXX. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. 

I also called XXXX bank XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to capital one. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XXXX OF XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to capital one, whom they reported my account closed in XXXX to, the account was no longer in their system. It did not exist. This is a problem as Capital One only has statements up until XX/XX/2019, is stating my account was closed as ofXX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called Capital One ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XXXX and that is all the data they have from XXXX. The rep from Capital One told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX capital one rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through capital one and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information pastXX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX  ILLEGALLY closed this month XXXX when they transferred/dont even have access to or own my account. 

Im literally stuck with a plummeting credit score, loss of time spent trying to correct this, and paying for a closed card that has no actual records beyondXX/XX/19on either end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently opened a checking account two prior with Chase JP Morgan bank. After filling out the application for the account, having it approved and issued a account number as well a debit card for the account my access to the account was stripped as I were unable to bank. I gave the institution a call to inquire as to why my account had been blocked and the reason they gave me was that the bank had made a discretionary decision to terminate my account due to reason as follows : -The bank could not maintain the account. 
As I mentioned, this account is only two weeks old and has not had any activity since its opening. The bank assessed a $ XXXX  monthly maintenance fee to the account for such reasons or as it advertised such fee was applicable for. 
I feel the bank targeted and discriminated against me on the basis of common occurrence such as my skin tone as the bank maintains millions of accounts in masses of trillions of dollars and the reasons specified in regards to the closure of the account are not justified.

Company response to consumer: Closed with explanation