vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
My residential mortgage loan number with Flagstar Bank is XXXX. Flagstar requires that I pay them every month and a portion of my monthly payments are placed in escrow to pay property taxes and homeowners insurance. In XX/XX/2019, I changed homeowners insurance carriers. In XX/XX/2019, I contacted Flagstar and instructed them specifically not to pay the renewal of the XXXX XXXX policy and instead to pay the new carrier XXXX XXXX. They acknowledged receipt of my instruction and assured me they would not pay XXXX, and that I had given them more than sufficient notice for them to comply with my instructions. Nevertheless, Flagstar disbursed from my escrow account contrary to my explicit and clear instructions and paid both XXXX and XXXX XXXX, causing a huge shortage in my escrow account. Then Flagstar refused to assist me in getting the money back that they had improperly disbursed and instead placed the burden on me to get the money back from XXXX that Flagstar had improperly disbursed in breach of their fiduciary duty to me. I have since contacted Flagstar several times to find out how and why they disbursed contrary to my escrow instructions, to get some kind of assurance that they will implement corrective procedures and processes in order to avoid doing the same thing in the future to me or any other borrower whose loans they are servicing. My communications with Flagstar have been met with callous indifference and a belligerent attitude that they are above reproach and how dare I complain about the financial and emotional distress they inflicted upon me when they disbursed from my escrow account in violation of my explicit and clear instructions in breach of their fiduciary duties. My contact at Flagstar was XXXX XXXX in the Arizona office. Her phone is XXXX. Ms. XXXX has done nothing for me but offer unctuous prevarications and lies. Ms. XXXX exemplifies Flagstar 's callous, uncaring, inhuman, dishonest, and corrupt conduct. If I miss a payment that is due by even one day, Flagstar has their collectors harass me for payment, but when they willfully and wantonly breach their fiduciary duties to me, they act like they did nothing wrong and they refuse to be accountable or to take any responsibility for their despicable, dishonest, and careless actions.

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 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The first time my bank account was closed I was with Bank of America. I was trying to get a loan around XXXX of 2019 so I was online looking for loans because my job had just closed and I had no money to pay my credit card bills. So when I thought I finally got approved for a loan the people emailed and texted me and when I reached back out they called me. I thought it was legit but they asked for my account and routing number and I thought that doesnt seem right but then I thought maybe thats how I received the loan next thing you know my bank account is closed. I have screenshots of the messages and emails I can honestly say I was too excited to have a loan just because I wanted to pay my bills that I didnt recognize the signs that it might be scammers.

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 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I received a mailer from local attorney 's advising me that a suit had been filed against me in XXXX XXXX County by TD Bank. After searching the county database I found the court record that on XX/XX/XXXX XXXX XXXX XXXX  XXXX  had filed suit on behalf of TD Bank ( complaint not available for view ). 

I have not received proper notice prior to the suit to request a validation of the debt. I believe the suit is meant to be an INTIMIDATION tactic and is an EXAMPLE of a PATTERN of ABUSE of the legal system practiced by this collection agency. I am unaware of any debt owed to TD Bank - I am unaware of any certified correspondence sent to my home or business validating the debt. 

CASE NUMBER : XXXX CASE STYLE : TD BANK USA, N.A. V XXXX, XXXX After speaking with on XX/XX/XXXX they stated that they did not show a lawsuit in their system. They claim a validation letter had been sent about the debt. 

This pattern of abuse of the legal system should be considered a violation of the FDCPA Sec. 808 ( unfair practices ). This firm has a long history of misrepresenting balances, validation and filed complaints by consumers. 

This agency needs to be sanctioned and fined if NOT sued by a class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I recently checked my credit report and saw a collection from Southwest Credit Systems, which is odd because all of my debts are paid in full or on time. I sent a dispute to XXXX  as it only appears on that report but am unclear how something can be added to my report without providing any information to me prior? As I look into the item more, I see it originated from XXXX, with whom I have current service and an up to date account. Someone at XXXX failed to turn the services off at my prior address and I have been back and forth with them about the amount outstanding, which by the way is not my responsibility as I contacted them 30 days prior to moving. There has been no other letters or communication to me regarding this alleged debt. Therefore, it is illegal to place a collection on my credit, causing me to be negatively impacted, as if this is a debt that belongs to me that I failed to pay. This is NOT my debt and needs to be removed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had my fiance do my taxes last year, with XXXX XXXX, 2018. The funds were to be deposited in my checking account at Chase Bank, NA. I noticed the funds from my IRS return. were not being deposited to my account for a very long time. So, I went to the bank to find out about my return and they explained that they went into the wrong account as the account number was transposed by 2 numbers and the money was no longer in the other account the person took it. I was instructed to go to the IRS and get a indemnification letter so the bank could help me. I went to the IRS office and they told me that the lady at the bank had no idea what she is talking about the IRS does not give out indemnification letter. I went back to Chase Bank and they told me, " we are unable to help you '' .I am out over {$1400.00}. 

I did not know I could file a complaint as I told my mother in law the above situation and she said wait, you need to file a complaint. The bank has an obligation and security measures that need to be looked at it look like they have not complied. 

Thank you so much with your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX about an unpaid balance with them> I have had problems with getting these emails before. See complains numbers XXXX and XXXX. I would like for someone to tell these people to please stop. According to the companies response I am suppose to be on the do not contact list. They are still contacting me threatening legal action, when none has been taken. There are no cases filed because I can check to see if that has happened and it has not. Please someone put a stop to this. I have a very serious medical condition that if I get to upset and agitated and my XXXX XXXX rises to a certain point and the XXXX XXXX  I will XXXX XXXX in two minutes. There is no loan number associated with this. Here is the supposed case number ; it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a collection letter from Resurgent Capital Services in regard to a debt that is owed to XXXX  XXXX XXXX. The debt does not belong to me. I called the company and the representative stated that she needed my social security number to look up the account. I refused and let her know that if the debt belonged to me she could look it up by name or address but she refused. This collection debt is not on any of my credit reports and I have never owned a XXXX XXXX XXXX account. The collection letter is dated for XX/XX/2019 for an amount of {$9800.00}. Reference ID on the statement is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had requested literally years ago that my Miles & More Mastercard account with Barclaycard be closed. I had been repeatedly told that it was, in fact, closed, and my XX/XX/XXXX annual fee was cancelled. But today I received an email alerting me to a forthcoming payment. I logged into the system to discover that not only was this account not closed pursuant to my repeated requests in writing and by phone, but that I had been assessed an annual fee in XX/XX/XXXX and XX/XX/XXXX. The lack of any other activity on this account, of any kind whatsoever, for years, is demonstrable evidence that I was misled into believing this account was closed.

I attempted to contact Barclaycard th is  morning, was told 'this account was closed, ' and when I confronted them with the  most recent statement as well as the record of the XX/XX/XXXX annual fee, I was told that suddenly they were having a system error and that I should call back later. This is unacceptable.

I want : -M

y XX/XX/XXXX annual fee of {$79.00} refunded.

-My XX/XX/XXXX annual fee cancelled.

-This account permanently, actually closed, for good, and to never hear about it again.

The fact that a major credit card issuer can not comply with a consumer 's request to close an account in good standing with XXXX balance is an outrageous indictment of their ability to ma
intain basic systems of account servicing and customer service.

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 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX in regard to a debt that is owed to Bank of America. The debt does not belong to me. I called the company and the representative stated that she needed my social security number to look up the account. I refused and let her know that if the debt belonged to me she could look it up by name or address but she refused. This collection debt is not on any of my credit reports and I have never owned a Bank of America account. The collection letter is dated for XX/XX/2019 for an amount of {$9800.00}. Reference ID on the statement is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: MO

Complaint narrative:
My Bank of America debit card was used fraudulently on XX/XX/XXXX. I was alerted the day it was used as suspicious activity and quickly called the bank within a few hours of the transactions to let them know whomever was using the card was not me and did not have authorization. They opened a claim the # is XXXX it is for {$350.00} used at a XXXX in Kentucky. I currently reside in XXXX XXXX Missouri. They credited my account on XX/XX/XXXX. On XX/XX/XXXX they closed the claim as unable to pay. I have called to reopen the claim and follow up on it multiple times. They are now simply saying it will be reopened and assessed however they have not given me the funds, nor have they gave any indication that they would give the funds. To my knowledge I have not used any XXXX with any frequency in the history of my account with bank of America. I frankly don't even know if they exist in my home state.

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 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio America Asset Management, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX they were sent a letter by certified mail asking for 2nd request of varication of debt to which they have not responded to as of yet. On XX/XX/XXXX they were sent a certified letter stating how to contact me and have ignored to date of this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Just recently through the complaint process with the CFPB, XXXX XXXX XXXX again pass off the responsibility of answer a question directly related to them as an alleged Trustee of my mortgage and owner of the NOTE. 

SPS the alleged servicer says that XXXX XXXX XXXX is the Account Holder of my mortgage. I disagree. I wanted XXXX XXXX to tell me that the mortgage was not paid off with Federal Relief Funds, or included in a law suit settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: FL

Complaint narrative:
I am having an issue with car hop/ universal aceptance. I have called the number but no one can find my accounts. My account that they say i havent paid keeps getting sold. Why are they still reporting on my credit after 7 and 9 year??? These items were open in XX/XX/XXXX and XX/XX/XXXX. Per regulations i seen with fair credit it should be off. Even though the company has sold the account these are old accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC
State: DE

Complaint narrative:
I rights was taking away from me from XXXX XXXX XXXX XXXX I try speaking with them about this predatory lending they called me stupid ask you do I know how to read and told me there isnt anything that can be done with the contract also not disclosing terms in the contract and us and explaining to me what they were and rolling in also not let me know that there was a balloon payment of {$20000.00} after I paid {$95000.00} for the vehicle I would not have taking a deal like this no one will have I had a brand new vehicle which I was trading at XXXX  XXXX XXXX XXXX with XXXX miles on itThey push this deal through for this car took away my rights to make an accurate decision need help following up on this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
Bayview Loan Servicing is trying to take advantage of their customers. I went for a loan modification & was origionally denied. I appealed it & still was denied until I spoke with someone who has helped me get a modification. The only problem is that the modification is really not a modification but only 1/4 of a point off. Instead of saving at least {$200.00}. - $ XXXX.a month, they only gave me {$100.00}. a month witch does not help much. Then, on top of that, they want to raise the APR by 1 % every year after the 5 year period for 5 years.That is NOT how a modification works. That is not saving me anything. It is a big fraud modification. All they have is excuses when I call them. I will Not pay {$200.00} extra a month for 13 years, just for " saving '' me {$100.00}. a moth for 5 years. 
I hope this problem can be resolved. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
i was reviewing my credit report and i realize that i have those collections from ( SIMON 'S AGENCY INC. amount of {$1200.00}. XXXX XXXX XXXX. amount of {$210.00}. XXXX XXXX XXXX, amount of {$25000.00} i don't recognize those accounts. i disputed this accounts twice and i requesting the removal of this account that is not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019, my car was broken into and my wallet stolen with all my credit cards, including my Capital One Credit Card. I immediately filed a police report and either reported all my cards stolen or locked them. In the case of the Capital One card, I locked it. 

With the card still locked, on XX/XX/2019, someone used it to get {$200.00} cash advance. On XX/XX/2019, someone used it to get another {$200.00} cash advance, then spent {$2500.00} and the XXXX XXXX in XXXX XXXX XXXX, XXXX, then {$4300.00} and {$5600.00} at the XXXX XXXX XXXX XXXX, all using the chip on the card. 

I called Capital One to report the fraud, and over the next several days, over {$100000.00} more was attempted to be spent on the card. After speaking with Capital One again, they assured me their fraud department would investigate and everything would be fine. However, several weeks later, the multiple cash back transactions and the three charges at the XXXX XXXX for {$12000.00} remained on my balance. I called again, and again they told me they would investigate. 

In XX/XX/2019, Capital One began attempting to pull money from my checking account directly to pay the balance. This is unacceptable as there should have been an open fraud investigation into the matter. During this investigation I have continued to hold this high balance on my card, earned interest on it, and have been taking a big hit to my credit score. 

After several more phone calls with Capital One, it seems they are intending to determine that I am responsible for the charges made on my stolen card because they can't prove the card was stolen, despite my providing them the police report from XX/XX/2019 stating my car window was smashed and my wallet was stolen. Further, they are refusing to provide me with any information/documentation as to how they came to this conclusion, nor have they mailed me any paperwork to document any of my claims or phone calls during this process. 

My card was stolen and used without my permission. Capital One has stonewalled me at every turn in resolving this issue. I can't be held liable for money I didn't spend. 

Documentation : police case # Statement showing fraudulent charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
After recently reviewing my credit report, I noticed several inaccuracies including accounts that never belonged to me as well as accounts that are closed and are displaying they are open. One particular account is a Capital One account # XXXX last reported on XX/XX/XXXX is an account where I am listed as an authorized user. The issue with this is my  grandfather whom the account had belonged to has passed away. In addition I have reached out to Capital One on several occasions regarding this issue which they inform me that the account is no longer reporting to the credit bureaus. This account is appearing on both my XXXX  and XXXX  credit report.

Company response to consumer: Closed with non-monetary relief