vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2016, a person who was not myself, created an account with Bank of America using my SSN. I provided my original Social Security Card, Driver License, other credit and debit cards as well to establish my identity unequivocally and without question. 

The bank will not provide me with any information. 

Their case # 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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
XXXX is failing to comply with section 609 a/1 of the FCRA. I am requesting the original consumer signed contract for 4 accounts on my credit report and they are failing to comply. XXXX XXXX XXXX and financial recovers are failing to comply as well. I have tried for over a year to obtain this information and there has been no success in receiving such information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
I've been working with Paypal for close to a decade. On XX/XX/19 They permanently suspended my account for a violation of an undocumented rule in their " Acceptable use policy ''. 

Part of the suspension is a freeze on my cash reserves they hold, this includes USD {$230.00} XXXX {$4000.00} XXXX Their reasoning for holding the cash is that If I have any cases through paypal they can use the held cash to pay for them. ( This is a poor reason because they have admitted that I rarely have cases and I already have two means for them to charge me my credit card and checking account are registered in their system for this purpose ).

They have admitted to storing my money in an interest accruing account during this 180 day process but say they will refuse to pay me any interest on it.

They also have told me when the 180 days are up I will be forced to sell them all my XXXX and XXXX at the value on that day with whatever fees they wish to apply. I can not see how this is legal? I have had that XXXX stored in my account for years. And now that the XXXX has dropped significantly in value i will be forced to sell it at a loss? Does Paypal have the legal ability to work as a brokerage in this way? I want to receive my XXXX and XXXX as they are without being forced to sell them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
SPS denied us a repayment plan home retention in response to XXXX we filed on XX/XX/2019 XXXX 46 days before foreclosure then scheduled for XX/XX/2019 ). XXXX completeness was affirmed by SPS on XX/XX/XXXX or XXXX, 2019. 
SPS denial letter of XX/XX/2019 stated Prior evaluation completed. SPS are currently not eligible for this option because SPS have previously been provided with a decision for this program. Prior evaluation that SPS refers to, confirmed by phone with SPS Customer Service and SPS Ombudsman Office representatives in XX/XX/2019, regarded previous SPS loss mitigation decision of XX/XX/2019 which stated Active Bankruptcy. We are unable to offer you this program at this time because there is active bankruptcy filing referencing this account or property SPS failed to exercise due diligence required by RESPA and to verify our bankruptcy status. Our bankruptcy was dismissed on XX/XX/2019. SPS was notified of the above bankruptcy dismissal by the Bankruptcy Court on XX/XX/2019 according to the Courts Certificate of Notice 12 CFR 1024.41 ( c ) ( 4 ) ( i ) ( 1 ) states : During the first 30 days following receipt of a complete loss mitigation application. Section 1024.41 ( c ) ( 4 ) ( i ) requires a servicer to act with reasonable diligence to obtain documents or information that the servicer requires to determine which loss mitigation options, if any, it will offer to the borrower. At a minimum and without limitation, a servicer must request such documents or information from the appropriate party Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: GA

Complaint narrative:
premier student loans said that i was gon na recieved help to pay my students loans. this company claim to provide service handling all the paper work for you and making a flat fee of {$30.00} dollars a month after 4 payments of {$230.00} dollars. the first payment was for their fee and after that everything else was gon na go to my students loans payments which never happen. I tried to talk to them and asking for my money back and to cancel any other future charges to my credit card but they dont want to give me my money back. they lie to me my students balance is exactly the same and 1 year of their service, federal students loans have not received any payment whatsoever. they told me they would fix it and nothing, i want my money back and report them for their fraud.this is the name of the first person i talked to. 
XXXX XXXX PREMIER STUDENT LOAN CENTER Direct XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I was previously charged unauthorized charges and card was stolen and you guys started the investigation I won the Dispute and was waiting for my new card and I called and they said it was closed on my request and I didnt request to get the account closed

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 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
The PNC interface for business credit card shows up on my consumer account. On the consumer account, the interface says " Amount Due : {$0.00}. '' However, this is inaccurate, conflicting with information elsewhere on PNC.

I pointed out this GLARING, MISLEADING ERROR to PNC, but they still charged me a service fee as my " courtesy waiver '' was not available.

By any reasonable objective standard, this is not a request for a courtesy credit. This is a request for a credit due to MISLEADING INFORMATION on their poorly administered site.

I appreciate your help curbing the abuses in this sector, because recent history shows that companies like XXXX XXXX and perhaps PNC will use consumers like doormats if given half a chance.

The manager is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
The mortgage company Mr. Cooper dba Nationstar Mortgage bought my mortgage from XXXX XXXX in XXXX because I was paying bi-weekly. Ironically XXXX didn't sell off mortgages that were paid monthly. Since being with Mr. Cooper, they ran an escrow analysis and said I have an escrow shortage. The shortage is because my XXXX XXXX for PMI doubled in cost from last year. I have called them and was given a mortgage research number. However this company has the worst customer service. They will not respond to secure mail. They do not follow up when they say they will. I was told that they would contact me with the results of the mortgage research request. They have not responded. I have contacted a supervisor and she will not respond to my inquiries about why my PMI coverage doubled and meanwhile all of my payments have been on time. My mortgage balance is decreasing therefore the risk is decreasing. I could understand an increase in PMI if they had changed companies but that hasn't happened. Nor has there been increased risk of the mortgage not being paid. I was paying biweekly and when they took over the mortgage they made it impossible for me to pay biweekly. I called multiple times. I sent the forms in multiple times, and all times they failed to process the payments biweekly. After all, I would be paying down my mortgage faster and decreasing their profit. I can see why they wouldn't want me to pay it off fast. However, this PMI scam is terrible and they won't respond about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
SPS denied us a repayment plan home retention in response to RMA we filed on XX/XX/XXXX ( 46 days before foreclosure then scheduled for XX/XX/XXXX ). RMA completeness was affirmed by SPS on XX/XX/XXXX or XXXX, XXXX. In XX/XX/XXXX response letter to our appeal of RMA repayment plan denial decision SPS changed the denial reason given to us to by SPS on XX/XX/XXXX. 
XX/XX/XXXX SPS rejection of the Repayment Plan option was due to our alleged bankruptcy status. In XX/XX/XXXX ( as well as on XX/XX/XXXX ) SPS changed the denial reason and informed us the reason for the denial of the Repayment Plan was because SPS previously provided a decision regarding this program on XX/XX/XXXX. ( i.e. during a separate loss mitigation evaluation conducted twelve ( 12 ) months prior to the XX/XX/XXXX recent decision ). 
SPS unfairly or unconscionably changed loan modification repayment plan denial reason to suit SPS objectives and to deny us repayment plan home retention option. 
209 CMR 18.21A states : A third party loan servicer may not use unfair or unconscionable means in servicing any mortgage loan. 
Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. Tracking number Overnight Express U.S. Mail # XXXX XXXX XXXX XXXX XXXX XXXX SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute with Experian to remove a personal statement on my XXXX XXXX XXXX account. This option to dispute the statement was available via the online dispute on their website. Om XX/XX/XXXX the dispute was closed and my updated Experian and XXXX  credit reports showed the entire positive account had been deleted. This in turn lowered my credit score. After finally getting in touch with a live rep in the dispute dept, I was told I would have to call XXXX XXXX in order to have it put back on my report. This is unfair since it was completely Experian 's fault.

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 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Last week I noticed that For the last 9 months I have been getting a fees for XXXX dollars every month. I have had a scheduled {$100.00} payment set for the XXXX of the month for that whole time. I called Bank of America and told them I felt like these fees were frivolous as the account was set for automatic payments and they said because the month closes on the XXXX a payment on the XXXX is late. But I set up the automatic payments on their website specifically so I wouldnt have to worry about late payments. I had not received any alerts saying I have been hit with a fee. I called today and they will only refund 2 of the fees.

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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute with XXXX to remove a personal statement on my American Honda Finance account. This option to dispute the statement was available via the online dispute on their website. Om XX/XX/XXXX the dispute was closed and my updated XXXX and XXXX credit reports showed the entire positive account had been deleted. This in turn lowered my credit score. After finally getting in touch with a live rep in the dispute dept, I was told I would have to call American Honda in  order to have it put back on my report. This is unfair since it was completely XXXX  's fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I asked Bank of America to close my CD account # XXXX. This was a CD account that secured a line of credit that had been paid off 100 % and then closed earlier in the day. I made this initial request by phone. I was instructed to visit a branch where I was told I would be able to close the CD account that day, so I made an appointment for XXXX XXXX. I arrived at the bank of America local branch at XXXX XXXX XXXX, XXXX co XXXX at XXXX XXXX, and was not seen until XXXX XXXX. At that point, I explained the situation to the banker, but they were unable to close the account. I asked to see the manager, XXXX, who was also unable to close the account, but promised to monitor the account and call me after the 24 hour hold on the CD had expired. 15 days later, on XX/XX/XXXX, after having received no call from XXXX, I called the bank and spoke to XXXX again. He said he was still unable to close the account, and has given me no path forward to be able to close the account. I need the money held in this CD to pay my rent. I didn't know what to do, so I'm submitting the complaint now.

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 2019-08-30 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
A Failure To Pay Was Incorrectly Placed On A Credit Card ( XXXX   XXXX ) Account On My Experian Credit Report. In Addition XXXX XXXX Repeatedly Places Varying Collection Dates On This Account In Order To Hurt My Credit Score. No Late Payments Or Failure To Pay Designations Can Be Placed On An Account After It Is Sold To Collections, And XXXX  XXXX Continually Harasses Me By Fraudulently Placing Incorrect Information On My Account. This Company Is Harassing Me By Attempting To Repeatedly Damage My Credit By Fraudulently Reporting False Information. XXXX XXXX Continually Places New, False Information On My Account Every Few Weeks In Regards To A Closed And Sold Account And Does Not Allow Me To Dispute Information

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 2019-08-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/13 Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2019 I Deposited my payroll check of the amount of {$610.00} into my US Bank account. They then put a hold on my payroll check, I have tried to go it to two different branches and called multiple time and they will not help me. They wont ever tell me the correct date for when my pay check will be available. I have been told 4 different days. They have charged me over deft fee because money was taken out of the account and they have informed me that the charges will continue to charge me until money is place into the account however, I don't get paid again for another week so I am unable to place more money into the account. US Bank refuses to help me in anyway and they wont stop the fees or take the hold of so I can pay my bills. My account is just of 47 days old and US bank told me the they place hold on any money coming into accounts for the first 90 days. However, When I opened the account the employee told me that because I have a loan through them that this would not apply to me. I was miss in formed from the start if I would have known this information from the start I wont have open my account with this bank.

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 2019-08-30 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: NC

Complaint narrative:
XXXX XXXX XXXX, XXXX. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from LVNV Funding LLC ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I used to have 3 credit cards issued by Barclay bank, and have a perfect payment history with these cards. But recently the Barclay bank closed all the 3 cards without any notice. I called the bank but they did not providing me any specific reason other than saying a notice letter is on the way, and refused to re-instate these accounts. I just paid the annual fee of {$89.00} for the arrival plus card in XX/XX/19 and have XXXX awards miles which are worth approximately {$4300.00} if they are redeemed towards travel expenses, hotels, airfare, etc. I have accumulated these points over last 2 years while paying annual fee for the card and was planning to redeem them for travel expenses.I feel that Barclay Card was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points for their full value. I would like to seek your help to get back my rewards of {$4300.00} and annual fee of {$89.00} from Barclay bank, a total of {$4400.00}.

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