vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was recently scammed by someone claiming to be a representative from Peoples Bank in the fraud dept. on XX/XX/XXXX and {$3000.00} was stolen from my checking account. 

I immediately called my bank and Peoples Bank does not have a department available for fraud after hours. The only department available to me was to cancel my Credit Card. 

On XX/XX/XXXX I called Peoples Bank call center at XXXX as they open at XXXX to alert them and to put a hold on my account. My claim # XXXX that was filed was recently denied because I gave them the access code but they already had my username. 

I have since closed both my accounts and reopened new ones at peoples as I have been banking with Peoples Bank for over 20 years. 

All the text messages and emails all had the peoples logo on them and even the phone # the called from was Peoples Bank. They stole the money by using the Person to Person and made 5 transactions at XXXX each. 

Is there anything, anything at all that you could do to help me in getting my funds back. I am not in the position to be out {$3000.00}. 

I just recently filed Bankruptcy in XX/XX/XXXX and have a huge trust payment in the amount of {$2800.00} dollars and mortgage payment XXXX all due on XX/XX/XXXX and if I default I am going to be in a bad position. 

On Friday XX/XX/XXXX I visited a XXXX branch to order new ATM cards for my new accounts that I had to open due to the Fraud breach and I dealt with a woman by the name of XXXX XXXX XXXX # XXXX. 

I was and still am in a state of disarray considering all that has transpired. When speaking with her she asked if I still had my son/kids ( due to our conversation ) and I replied yes, she then proceed to tell me she lost child and it is only money. I do not personally know this person. 

I feel that this was very unprofessional. I can not believe that an individual would use the death of her child to try to make someone feel better. 

Losing {$3000.00} is a big loss to me financially and mentally and I filed a formal complaint with the branch manager. 

When the branch manager reached out to me to apologize for his employee that is when I learned that since Peoples bank had denied my claim that they were not going to pursue any type of investigation and that I should try my local police department. 

I have attached copies of the letters i have sent to Corporate Peoples. No one would respond to me in writing only phone calls. I am also attaching the information that was entered into my account of the individuals that the money was transferred. I did not authorize this nor do I know any of these individuals. 
Look forward to hearing from you soon and if you need me to provide any additional information please contact me via email or my cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank/Citigroup has been contacting me for several months trying to reach my ex husband. We have been divorced for years. I have repeatedly asked them to stop, and to remove my number. I have told them he is likely in jail, but I have absolutely no contact with him. Today they called from a different number and I told them I was filing a complaint and contacting an attorney.

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 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone opened a credit card with capital one under my personal information because it appears on my XXXX XXXX. It appears they paying on time but affects me because I dont have a credit card and its unfair someone is using my personal info to use a credit card. Bank is Capital One limit of {$1500.00}. I called bank and states cant find no info so no help can be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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: CA

Complaint narrative:
XX/XX/2019 Amount : {$1000.00} Original Creditor : XXXX XXXX XXXX  Debt Collector : Commonwealth Finance The incident involved plenty of miscommunication due to my XXXX. There was misunderstanding which my rights were being taken away. If I knew the legals, I would have not accept the ambulance ride and brought my attorney with me to clear up the miscommunication. Instead of this, I was forced to go with two options which was to get arrested or to get checked by going on ambulance ride. The law enforcement did NOT provide XXXX XXXX XXXX interpreter at all. Instead of providing a professional certified interpreter, the officers communicated with me through writing. English is not my first language. ADA law  requires for them to provide the interpreter so they violated this law. 

I did not need or request the ambulance ride. What more? I did not have health insurance due to hardships. I felt that I am not obligated to pay this debt and can not afford as well. 

Am still going through hardships with XXXX   children I have. 

After taking me in for the check up, they released me. I did not deserve all of this nor to be arrested which I did nothing criminally. 

I do not have money for attorney to clear up this mess and am researching on ADA laws to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express is not resolving my dispute with XXXX XXXX and has closed the dispute under deceptive practice while I was being XXXX  I'm XXXX XXXX  XXXX in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
We never signed the note only the mortgage, the note signer passed in XXXX. We were never billed, we were never notified of servicer changes, our payment or calls were not accepted. We were sued by Bank of New York Mellon who forged the note, violated stay in bankruptcy court, allegedly robo signed assignments, violated civil court mandatory mediation and abuse legal process by having hired 5 different law firms. One of which, XXXX XXXX went to a mediation with another attorney and even though Im pro se told the mediator that he represented me. This was done during a bankruptcy stay. XXXX, XXXX  XXXX XXXX and XXXX are the servicers and Ive never heard from any of them since XXXX. The lawyer that was misrepresented as mine although I am pro se is constantly trying to buy my house at a short sale and has harassed us about it for years although we have told him to back off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received a letter in the mail saying that I owe a balance to LVNV Funding, LLC and that my original creditor was XXXX XXXX XXXX, NA. There are no details in the letter except that they are suing me for wage garnishment for {$1500.00}. I don't remember having this high of debt owed. I was paying for protection on my credit cards and back in XX/XX/2015 I lost my job and was financial unable to pay anything for almost a year. I would like to find out how to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I frequently receive email messages claiming to be from M & T Bank regarding " unauthorized access '' to my online banking account, and instructing me follow the link below in order to " confirm '' my identity and " restore your account access '' : https : //onlinebanking.mtb.com/Login/MTBSignOn/ I DO NOT NOW, NOR HAVE I EVER had any banking accounts with M & T Bank . I have received this email message dozens of times over the past year or so. I have NEVER clicked on the link and have always deleted the email message without reply. To my knowledge, there have been no incidences of fraudulent access to my legitimate online banking accounts.

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 2020-01-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: AZ

Complaint narrative:
Synchrony bank has never contacted me requesting any information for review in this case. One of their letters states that they mailed me a letter requesting information, but I never received the letter, the letter was to be resent out, I never received that letter either. When I was finally able to send information in through this process the information wasn't used ... they used the result of a previous review where my signature was forged. Didn't take into consideration that the wrong part was ordered that didn't fit my vehicle, that the owner of the XXXX lied in his response and I showed proof that he lied. Now I have receipts that show where XXXX got the parts from and the date they received them ( which is after the date the owner states they were installed in my car ). I also have a receipt that shows when XXXX RETURNED the parts to the dealer for a full refund. Way to do your research Synchrony! I will use a credit card company that looks out for it's customers in the future. I will be canceling all of my Synchrony credit cards ( Care credit, JCPenney, XXXX, SteinMart TJMaxx

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 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I have requested my PMI be removed on my home. I obtained a BPO appraisal and was appraised to a value that put my LTV at 80 %. The mortgage company rejected my request because now they are saying my LTV has to be less than 75 % because my loan is less than 5 years old. I have searched the laws and I cant find that listed anywhere. This is not the mortgage company I bought my home through. My loan was sold to this company just a few months after closing. I didnt sign up for those terms. I sent a rebuttal letter XXXX and never received a response. I called the mortgage company in XX/XX/2019 and it was under review. I called again around XXXX and was told I was still denied due to the length of the loan and LTV was not less than 75 %. I was told I would be receiving a letter, however I did not receive any letter or follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
My wife and I took out a Mortgage with XXXX XXXX  in XXXX of XXXX. The loan was purchased by Flagstar Bank and the transfer took effect on or about XX/XX/XXXX. Our loan payment is XXXX per month. We have made regular on time payments since we took out the mortgage. We have made payments that were over the required monthly amount so as to pay down the principal sooner. The XX/XX/XXXX payment in the amount of {$700.00} was already sent to XXXX XXXX  so as to be on time. XXXX XXXX sent that payment to Flagstar bank and Flagstar held it in " Suspense Balance '' according to our statements and did not apply it to the XXXX payment. Since about XXXX XXXX we have contacted Flagstar customer service at least 6 times by phone because they keep sending us statements that we are behind on our payments, each time I have called their customer service they have said they understand what the issue is and will rectify it. We have made our XXXX payment of {$630.00} on time and now our latest statement from them that is dated XX/XX/XXXX reads that we are still considered late and that we owe {$1200.00} by the date of XX/XX/XXXX. In addition to that, the statement reads that now they are holding our latest payment of {$630.00} in " Suspense Balance ''. It looks like they finally applied the original {$700.00} XXXX payment to our Mortgage balance and are now holding the XXXX payment hostage. During this time we have also received a letter from Flagstar dated XX/XX/XXXX that states we are past due in the amount of {$66.00}. This is the amount that we were paying extra each month towards our principal. How can we be delinquent on this since we are not REQUIRED to pay this extra amount? We have now also received a notice from the credit monitoring service XXXX that our FICO  score has decreased. Our score has always been excellent and prior to this transfer to Flagstar Bank was in the 800 's. We will make our XXXX payment of {$630.00} on time which should be all that we currently owe. Please help resolve this issue. 
Thank you

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 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX.. A company called Phoenix Finacial services has reported somewhere around 15 old medical bills as new debt delinquency on my credit report when all of these bills are from XXXX and XXXX..My credit dropped nearly 100 points! I tried contacting them and they were nothing but rude and XXXXXXXX My next step is to file a law suit.. These r the amounts and dates.. {$1200.00} XX/XX/XXXX. XXXX {$1300.00} XX/XX/XXXX XXXX.. {$1300.00} XX/XX/XXXX XXXX.. {$270.00} XX/XX/XXXX XXXX.. {$1200.00} XX/XX/XXXX. {$320.00} XX/XX/XXXX XXXX.. {$1100.00} XX/XX/XXXX. {$280.00} XX/XX/XXXX XXXX.. {$460.00} XX/XX/XXXX XXXX.. XXXX XX/XX/XXXX XXXX.. & XXXX XX/XX/XXXX XXXX.. {$1200.00} XXXX.. Some are even on there twice! My # is XXXX if anything else is needed.. What they are doing is elegal!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
This loan is a Predatory Loan ever since the Mortgage industry crashed/failed in XXXX, and XXXX  XXXX XXXX never adhered to the Foreclosure Review Team. Now Select Portfolio Servicing , Inc has my loan now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XXXX XXXX, I attempted to use my Capital One Card to purchase an XXXX Computer for approximately {$3000.00}. it was immediately rejected, and immediately I had a text message and email asking me to call immediately. When I called I gave them sufficient information that they knew I was the card holder and I explained what I was doing and that I was at the XXXX  Store. I was told there had been suspicious activity on my account and the account was frozen. I could unfreeze the account if I sent them documentation to a secure portal they would send me in an email. The documents they wanted included both sides of my drivers license, both sides of my social security card, and a full copy of a utility bill. These 3 documents together amount to PERSONAL IDENTIFIABLE INFORMATION which is all that would be needed to steal my identity. I reached out to the number on the back of my card ( XXXX ) a total of 4 times. Each time hoping I would find someone that would help me. Everyone stated this was the safest way to protect both customers and the company. Yet, in XX/XX/2019 approx. 140,000 social security numbers were compromised when they had a breach. When they refused, I asked if they would cash in my rewards miles ( currently valued at approx. {$550.00} ) and send it to the name and address on the card. They refused, and said as long as the account was frozen they couldnt do that. I finally found the name and email and phone number of the President of Capital One, and reached out to him twice through email ( XXXX ; ph. XXXX ) Still no response. I posted my issue on XXXX, only to find that another person had a similar situation and is out over {$4000.00} so far. ( You may be hearing from that person, since my Attorney Generals office suggested contacting you ( & I promised that person I would share helpful information if I got any ). At this point, if you can at least help me get Capital One to release my rewards miles, which I have earned, I will be done with Capital One forever. But I cant imagine that what they are doing is okay. I did learn from one of the persons on the 4th phone call I made to Capital One that what caused them to freeze the account was the purchase I was making at the XXXX  Store. It was approximately {$3000.00}. Yet, I had made a purchase a few months earlier for approx. {$2800.00} and that didnt trigger anything. I have an EXCELLENT CREDIT RATING and I will not put myself in a situation of handing off sufficient information that someone could easily steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express, who I do owe money to, is calling my relatives and friends asking for me!! I have asked them not to do this and just this morning my brother called me to say they called him looking for me. This is extremely unethical and probably illegal?? 
This is the number that constantly harasses me and my family and friends. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There is an account showing up under my name that does NOT belong to me and I kindly request it to be removed. Please see attached letter.

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 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I was contacted by XXXX and XXXX XXXX ( XXXX ) acct # XXXX from XXXX NC as a debt collector for Barclays BankCard Services. I entered into an agreement of the threat of a judgment if I did not pay the debt. They agreed and me to hold judgment if I started making payments on the debt which I paid in full. Barclay hired the company to collect the debt. I paid the amount agreed to and received a payoff letter and the debt was closed. I am attaching everything. I was told it was my responsibility to notify credit bureaus of the debt payoff which I did do. I was told to dispute the debt and attach all payment information and the paid debt letter which I did that as well. Barclays Bank through the dispute process is refusing to show the debt as paid. They will not speak with me telling me to contact the attorneys, which I have to no solution. The most recent dispute, Barclay told the credit bureau they had charged off the debt. However, that is not true as I paid the debt. Barclay is also stating I still owed {$200.00} which is also not true. I paid the total debt through the debt collector that Barclay turned the case over to. O told all parties involved I would gladly pay the {$200.00}, but The debt collector states I can pay what is not owed. I am no longer able to dispute the item without new evidence and I have no new evidence.

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 2020-01-20 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: NJ

Complaint narrative:
I was a victim of identity theft and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of my credit report.

Company response to consumer: Closed with explanation