vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
TO WHOM IT MAY CONCERN : This is the 4th time that I am contacting the Consumer Finance Protection Bureau regarding my credit issues ; I am extremely grateful to the CFPB to right the wrongs committed by the crooked, militant debt collectors and the lazy, corrupt credit reporting agencies. I hope congress would increase funding for the CFPB and not reduce it as the Trump 's administration has recently done. 

This letter is in reference to a collection account placed by Portfolio Recovery Associates, of XXXX, VA, on my XXXX  credit report. On XX/XX/2018, I sent a letter, via certified mail with return receipt, to the debt collector with no response from the firm at all. The firm chose to ignore my request for specific answers regarding the derogatory account placed by them. 

In light of the above I humbly and kindly request the CFPB to order the above debt collector to eliminate the derogatory from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was Recently sent a letter from Citibank NA Attached* And also a check for {$16000.00} I am Wondering if this is part of the settlement Citibank is repaying to customers affected? 

Or if this is a scam to reinstate an old debt passed the statute of limitations of which I already paid?

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 2018-06-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: MI

Complaint narrative:
I was late 30 days during XX/XX/XXXX paying CAP1/SAKs credit card in amount of {$43.00} due to moving and changing banks ( From XXXX XXXX XXXX to XXXX ). I assumed that the account was in automated payment, but when I switched banks, I missed switching it. As soon as, Saks Rep called me notifying that my account was late 30 days in XX/XX/XXXX, I paid the account in full and since than the account has been current or {$0.00} balance. I'm in process of buying a new construction house of {$610000.00}. My credit score is impacted negatively ( 15 points ) due to late payment of {$43.00} .During XX/XX/XXXX, I called twice, Saks customer credit reps asking to remove my late payment history of XX/XX/XXXX. They both said they can not go back 2 years in their system, therefore they advised me to submit a dispute directly with credit bureau. I did submitted a dispute with XXXX during XX/XX/XXXX and XXXX Dispute Report concluded that Saks creditor refuses to remove my late payment history of XX/XX/XXXX which contradicts what both Saks representatives told me. I believe, I'm mistreated by CAP/SAKs representatives, they lied to me and I will waist a lot of money in high interest mortgage for only one miss payment of {$43.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$150.00} was deposited into my checking account and the teller advised the funds would be available on the same day however they were not. I called the bank and after being hung up on twice and have agents on the other end of the line not respond 3 times when I finally did get to speak to someone I was told there was nothing that could be done because theres no record of the deposit. I was also badgered by an agent who asked for my social security number, joint name on the account and because I was unable to tell her the amount of my last deposit amount she refused to continue the call, she would not ask any other verifiable questions and advised no supervisor or manager was available after I requested to speak with one. Compass employees took no concern or interest in my missing money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have spoked with Chase banking representatives who keep transferring me to different departments and are unwilling to remove the hold on my account. They are rude and disrespectful and are not allowing me to use my chase debit card with the XXXX logo. I have completed the steps with my email address to verify that I am able to use the card. Why is the fraud department harrassing me and asking me to step inside a branch. I am XXXX and do not feel comfortable steeping inside a branch. This is a invasion of my privacy. Please assist me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays XXXX XXXX XXXX XXXX-ending in # XXXX Mailed check # XXXX for {$94.00}, from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The check was posted on XX/XX/XXXX. It was never credited to my account. I have talked to their customer service office about 7 different times. I have faxed a copy of the paid check, both front and back to 2 different numbers. The first one was to the customer service : XXXX and the second one to the comlaint department : XXXX. I have talked to managers each time to not avail. 
I received two different claim numbers : XXXX and XXXX. Each time I received a letter saying : We are unable to ccomplete your request at this time please contact us for additional details. I have done this each time. I was also told over the phone that nothing could be done. 
I have done everything they have asked me to do and nothing has been taken care of. There is a {$94.00} Provisional credit on my account, but the payment has not been credited. 
***I also made a bank transfer on XX/XX/XXXX which was credited. It was from XXXX XXXX XXXX XXXX. I did this because I did not want to pay interest. This was an entirely different payment. They have tried to tell me the first payment was credited, but it was not. 

I received another letter on XX/XX/XXXX, saying they could not complete my request. The paid check that I mailed them has the bank account and the bank my check was deposited in. 

They have basically told me that there is nothing they can do. My comment to them was that they have screwed me out of {$94.00}

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 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
IN XXXX I REFINANCED MY HOME WITH XXXX XXXX XXXXXXXX UNDER THE HAMP GOVERNMENT INSURED PROGRAM. AT SOME POINT I WAS INCLUDED IN THE PAY-FOR-PERFORMANCE PROGRAM IN CONJUNCTION WITH THE HAMP WHEREBY IF A BORROWER PAYS THEIR MORTGAGE TIMELY EACH MONTH IN ANY GIVEN YEAR, YOU WERE AWARDED XXXX OF TAX FREE MONEY CREDITED TOWARDS YOUR MORTGAGE BALANCE FOR UP TO 5 YEARS. 

XXXX XXXX XXXXXXXX CREDITED MY BALANCE FOR THE FIRST TWO YEARS OF PAY FOR PERFORMANCE INCENTIVE PROGRAM. THEN XXXX BEGAN SERVICING THE LOAN AND CREDITED MY ACCOUNT FOR AN ADDITIONAL 2 YEARS. THE LOAN WAS THEN TRANSFERRED TO NATIONSTAR NOW D/B/A/ MR. COOPER . MY FINAL XXXX INSTALLMENT WAS DUE IN XX/XX/XXXX. FOR THE LAST 10 MONTHS, I HAVE BEEN CALLING NATIONSTAR/MR COOPER FOR THE FINAL INSTALLMENT ON A WEEKLY OR MONTHLY BASIS. NATIONSTAR HAS MADE MANY EXCUSES FOR NOT PAYING THEIR OBLIGATION CLAIMING LACK OF DOCUMENTATION. THIS IS BELIED BY DOCUMENTS I MYSELF AND XXXX REPEATEDLY SENT THEM ON MY BEHALF. XXXX   TOLD ME IT IS THEIR STANDARD COURSE OF BUSINESS AND LEGAL REQUIREMENT TO ROUTINELY TRANSFER ALL LOAN DOCUMENTATION TO SUCCESSOR LOAN SERVICERS, INCLUDING ALL ORIGINAL DOCUMENTS FROM XXXX XXXXXXXX XXXX. 

FINALLY, NATIONSTAR ADMITTED IN ITS XX/XX/XXXX LETTER THAT THE XXXX CREDIT WAS DUE PROMISING POSTING TO MY ACCOUNT BY XX/XX/XXXX. THERE HAS STILL BEEN NO PAYMENT AS OF THIS DATE XX/XX/XXXX. WHEN I CALLED THEM, THERE WAS NO EXPLANATION FOR THE ADDITIONAL FAILURE AND REFUSAL TO PAY. 

NATIONSTAR HAS JERKED ME AROUND FOR 10 MONTHS OVER THIS CONTRACTUAL GOVERNMENT-SANCTIONED OBLIGATION ON THEIR PART WASTING HOURS OF MY TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I fell behind on my mortgage a few years ago due to legal issues surrounding my XXXX XXXX. I immediately began trying to work things out with my mortgage lender Wells Fargo but was met with resistance, indifference and obstruction and could not get them to review my financial information. As I fell further behind I was able to get some help from relatives and offered to bring the loan current with a large lump sum payment. However, Wells Fargo would not accept the offer because it did not include the thousands of dollars they had added in inspection, late, legal and junk fees. As a result I fell further behind and am now facing foreclosure. I have rebuilt my practice and also started a XXXX XXXX XXXX as well and make a solid living. However, Wells continues to push towards foreclosure instead of offering any reasonable alternatives for me to resolve this matter. I am looking for some help to get my file taken seriously and an accurate review conducted of my current finances by Wells Fargo. 

I have worked as a XXXX XXXX for the last 22 years, and we bought our home here in XXXX 17 years ago. I refinanced in XXXX through Wells Fargo in order to use some of the equity to invest into my business. I live in the home with my wife and XXXX daughters. In XXXX I had some legal issues and my practice suffered. I ultimately lost about XXXX XXXX of my clientele and at that time I defaulted on my mortgage. As stated, I immediately contacted Wells Fargo to try and work things out and get approved for a modification but the process was cumbersome and difficult and I could never get any traction. I was able to get some family members to agree to help me make a large lump sum payment to get caught back up on the loan but their agents refused to accept this offer because it did not include every dollar, quarter and penny of the late fees and legal fees that had been piled on my balance! I eventually hired an Attorney to assist but due to a missed court date my side of the story was never presented and I am now in foreclosure. 

As explained, I have rebuilt my practice and earn a solid living. I also started a XXXX XXXX XXXX and am making some money from this venture as well. I was recently offered a streamline modification with a monthly payment of {$5100.00} -- although I appreciate the fact that an offer was put on the table this proposed monthly payment is well over 50 % of my monthly income and not affordable. I know that there are other programs available that I would qualify for based on my current and correct financial information. I would like to see my case escalated and a full review of my current finances conducted.

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 2018-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. XXXX added the amount and reaged without informing consumers. This is against best practices. Letter was sent to XXXX to remove account as it was recorded inaccurately account was then removed by XXXX. Then opened and added on!. Several letters has been sent to XXXX with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments

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 2018-06-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX. XXXX. XXXX an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. XXXX added the amount and reaged without informing consumers. This is against best practices. Letter was sent to XXXX to remove account as it was recorded inaccurately account was then removed by XXXX. Then opened and added on!. Several letters has been sent to XXXX with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments

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 2018-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Worldwide Processing Group, LLC
State: LA

Complaint narrative:
I receive many call from local numbers. I dont know any of these. I answered one and they said they were from Forward recovery movement. They said I owed a loan many years ago. I didnt. I told them to prove it so they said they would send it. I recieved a letter from XXXX XXXX XXXX stating I owed money from companies I never heard of.. This was made on XX/XX/XXXX. I think this XXXX is a fraudulent company giving an A+ rating th these people. The only one I had was paid thru XXXX XXXX XXXX. XXXX was my rep. Their number is XXXX ... I owe no one. I want the calls to end. They call my work, they call me with fraudulent phone numbers. If they were legit they would give me names and dates from the original loan. The loan was paid years ago. And the company sold my information to another. Now they want monies not owed them. They say the new owner is XXXX and XXXX XXXX. And Original creditor is XXXX # XXXX I have never heard of either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is in reference to information in my credit file. I recently received a copy of my credit report that XXXX, XXXX or Transunion publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. I understand that XXXX, XXXXXXXX or Transunion should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and Mortgage Shopping for my home loan. These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX (  XX/XX/XXXX ) *This inquiry is 2 years old. XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. I recently received a copy of my credit report from XXXX, XXXX or Transunion and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. I have a Fraud Protection on my file so those inquires were not authorized by me. I advised XXXX, XXXX or Transunion, to no avail.

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 2018-06-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
XXXX XXXX and XXXXXXXX XXXX  sold XXXXXXXX XXXX fraud, corrupted and scandal VA Loan to Round Point to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which XXXX XXXX was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First Round Point investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like Round Point. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX homes builders, XXXX XXXXXXXX XXXX and now new Va lender Round Point Mortgage are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.

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 2018-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX there were 2 unauthorized cash withdrawals being conducted in XXXX  XXXX nearly 500 miles away. I became aware of these charges when my card was declined at XXXX XXXX in XXXX, CA where I live, and I received a text from XXXX XXXX regarding suspicious activity asking me to contact them. I called immediately and was told that there were 2 withdrawals, {$300.00} & {$260.00}, that were conducted in N. California. I explained to the rep that I had the card in my possession the entire time and did not share my card with anyone NOR was I anywhere near N. California. My card was closed and the rep filed the dispute on my behalf. A month and a half later I got a call from the bank asking for more info. I explained to that rep the same thing i had explained back in XXXX and they said they would let me know via mail. On XX/XX/XXXX, OVER 60 days AFTER I FILED MY DISPUTE, I received a letter from XXXX Bank saying that I benefited from the transactions and that I my dispute was denied. I was OUTRAGED!!! I called my credit card company immediately and they refused to provide me ANY documentation regarding the investigation, which is a violation of REG E and they said that I did not fill out the form correctly, since I didn't list the amounts. Rep named " XXXX '' refused to transfer me to a supervisor and stated she would not mail me any documentation regarding my dispute. This is outrageous!! My card was compromised and XXXX Bank is holding me responsible!!

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 2018-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have disputed and submitted documents ( Bank statements ) that prove the debt was paid and should never gone to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX spoke wit XXXX and XXXX about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
First Continental and XXXXXXXX XXXX sold XXXX XXXX fraud, corrupted and scandal VA Loan to XXXX XXXX to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which First Continental was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First XXXX XXXX investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like XXXX XXXX. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX XXXX builders, First Continental Mortgage and now new Va lender XXXX XXXX XXXX are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.

Company response to consumer: Closed with explanation