vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
We have a loan with BPPR ( Banco Popular de Puerto Rico ) loan number XXXX and we used to have the 2 lots at each side of our residence, we went under the chapter XXXX protection under the bankruptcy court and let them go because it cost over {$1.00} M to cure the enormous soil problem and the only way to sell these lots was by committing fraud, we gave evidence of these conditions to BPPR by Soil studies and cost to cure by certified engineers, the 2 lots are unbuildable if piles around 60 feet depth are not done because it has 50 feet depth of unstable soil, BPPR ignores the facts and are offering to potential buyers the lots without the proper disclosure and selling the idea that can built theirs dream homes, already they sold one and the new owner want to built without the curing and putting on risk my home, back yard and adjacent neighbors all these was confirmed by our soil and structural engineers. 
We did last month another soil study and comparative topography of the 3 lots and the results are dramatic they have sunk between 7-15 inches, the slope has inverted, soil slides, new puddles all over, back fences have failed many times and this means that the global stability is very affected, how could you help us against this institution, since this neighborhood was built we know about 3 houses, 1 swimming pool, retain walls and slopes have collapse, Because malpractice and wrong process of soil stabilization of the slopes, how you can help us? or what agencies you can refer that can assist us to confront this malicious institution?. We cant even sell our house because fraud is not our way of dong business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I confronted Bank of America in XX/XX/XXXX when I realized that bank of America gave away my direct deposit statements away to someone that's not on my account certified stamped and signed by a bank manager that worked at the bank and was later able to use in court. I found them in my daughters mothers financial packet at the courthouse. They said they would do an investigation and get back to me. I waited a couple weeks for them to get back to me and when I explained the issue to them and they told me that I should go get a police report in the state that it happened in. I then reached out to the CEO of Bank of America and he then had XXXX the regional manager for that region or branch call me. She then said she was going to do another investigation and get back to me within a week. She got back to me and said she couldn't find nothing but they will put a special team to overwatch my account. I told her that doesn't prove anything and asked what my case number was and she told me that she couldn't give me that information. I then reached back out to the CEO and got a call from XXXX again and she said they would give me {$500.00} dollars for what I went through and I declined the offer. My daughters mother was able to use my proof of income coming from the XXXX to scheme the system and manipulate her finances in her favor to get more money out of me. I recently reached out to XXXX XXXX the resolution specialist a couple times last week then got a call back from her on XX/XX/XXXX and she stated they weren't able to verify the time and date of when this occurred when I have the proof of when it did it states XX/XX/XXXX and she also said it was to long ago and said because I have my mother on my account that it could have been her. All it looks like is that bank of America knows they messed up and isn't trying to own up to there former manager signing off on a certified document and having a way of not being caught in the system. That is not my issue that they can't verify or find out the exact date and time of when she did it, all I know that it was signed and had all my recent direct deposits from XXXX to XXXX because she had court on the XXXX of XX/XX/XXXX. It was found at the courthouse and used fraudulently without my consent. They should have a system in place that employees or managers can't get into your information without having my consent to give away my information so freely to someone that has no right to have my personal information in the first place.

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 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Credit & Finance, Inc.
State: AR

Complaint narrative:
I had a credit card through commenity bank. XXXXXXXX XXXX was in the process of selling the accounts to XXXX XXXX. In that process I got behind on payments but never received anything in the mail from XXXX XXXX about this account. To my knowledge, once the account was with XXXX XXXX I did not receive any calls about my account. Around the beginning of XX/XX/XXXX, Atlantic Credit and Finance contacted my husband, who is not an authorized user on this account and is not listed on the account at all. He spoke with a woman named XXXX who worked at Atlantic Credit and Finance. She made him aware that my account was past due and they were attempting to collect a debt. My husband is a XXXX XXXX and due to the many scams going on would never give personal information or bank information without knowing the company and call is legitimate. They attempted to ask my husband for my date of birth, social security number, and other personal information. He, of course, would not give them this information. He asked them if this was legitimate then they should have the information. XXXX then proceeded to give him my social security number, date of birth, current address and other personal information. He did set up a payment plan to pay my debt. I never received notice of the payment plan. He received through the mail statements letting him know the amount was deducted. Nothing ever came in my name. He told me about this information, and at the time I was going through some health and emotional issues and did not have the time or energy to deal with it. Not only that, since it was now in his name, I did not know who to contact to deal with the issue. The end of XXXX, XXXX, my husband 's debit card expired, which was their form of payment. They sent a letter to my husband through USPS stating the payment would not go through. So, I called them to set up a new payment. While I was on the phone with a woman named XXXX who works for Atlantic Credit and Finance, I told her of the incident of XXXX from Atlantic Credit and Finance giving my social security number over the phone to my husband, and how I did not think that was legal. She repeatedly told me it was legal. I asked several times for her to provide documentation showing it is legal. She said she could not do that because she does not have that documentation. I did set up a payment plan to pay my debt, but I do want this company in some way reprimanded for this action. They could have been giving my information to any person. I originally filed a complaint with the Federal Trade Commission on XX/XX/XXXX and when I called to get an update on the status of the complaint was told to contact the Consumer Financial Protection Bureau.

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 2018-08-31 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: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Please see the document attached to this complaint. Diversified Consultants has  advised that XXXX XXXX recalled this account in XXXX of XXXX. I just need this to be removed from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
The company XXXX XXXX is collecting on behalf of XXXX 's, and has been calling my phone repeatedly back to back. On XX/XX/XXXXthe company called my phone three times back to back at XXXX, XXXX, and again at XXXX. I contacted them after the third back to back calls, and advised them that these calls are considered harassment and is violating the FDCPA Act.

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 2018-08-31 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: OH

Complaint narrative:
Sent several letters out to Experian, XXXX and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to Experian, XXXX and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.

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 2018-08-31 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am an XXXX year old victim of the credit card interest scam. On XX/XX/XXXX, two men came to my house claiming to be from Citizens Bank. Since they already had my address, knew I had multiple accounts with Citizens Bank, and had the last four digits of my accounts I thought they were actually from Citizens Bank. They said that they were going to put money back onto my card because Citizens Bank was charging me too much interest. On XX/XX/XXXX, I discovered that the men had not put money into my accounts but made a transaction of {$9100.00} on one card and another transaction of {$8900.00} on another card. That day I disputed the transactions with Citizens Bank. I also called the police on XX/XX/XXXX but no one was able to come out until XX/XX/XXXX and make a report of the incident. In XX/XX/XXXX, Citizens Bank sent me a letter stating that they determined that I authorized the transactions. I tried calling multiple times to see how they came to that determination. On XX/XX/XXXX, I called Citizens Bank Credit Card Claims Dept. with my lawyer. We spoke with a XXXX and he told us that because I was scammed it meant I authorized the transaction. We tried telling him that I did not give them permission to make the transaction and asked to speak to a supervisor. We left a message for the XXXX, XXXX XXXX. I called Citizens Bank again with my lawyer on XX/XX/XXXX, because we did not hear back from XXXX. We spoke with a XXXX. He said that the supervisor XXXX XXXX was not available so we asked to have her call my attorney. XXXX told us that because I gave the scammers my account information, I authorized the transactions. As of XX/XX/XXXX, XXXX has not returned my lawyers calls. No one has returned the calls I made either. I put in another dispute of the transactions on XX/XX/XXXX because I did not authorize these men to make these transactions. I thought I was authorizing them to put money back onto my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
i am responding to an negative item on my credit report that they have charged off, so i'm asking them to validated my signature to this letter to get this item showing is in good standing. i sent the letter out on XX/XX/2018 and they have 30 days to respond before they have violated the law and now they are calling and harassing me within the last XXXX day about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Paid {$2000.00} ( XX/XX/XXXX ) for a property rental to a Chase Bank account customer XXXX XXXX XXXX Account No : XXXX Routing No : XXXX. The Chase bank customer was not the owner of the rental property and was confirmed by local authorities as a criminal/fraud. Upon my discovery of the fraud, I immediately contacted my bank to inform them of the criminal activity. My bank charged me {$110.00} for a routine recovery request and contacted Chase. Chase 's response was there were insufficient funds in the account for the recovery. 

Chase Banks failure to have adequate policies and procedures in accordance with the Bank Secrecy Act ( Anti-Money Laundering Act ) has resulted in a financial loss of {$2000.00}. Local authorities have confirmed this criminal has repeated this transaction on multiple occasions. Chase 's lack of compliance with Customer Identification and Know Your Customer standards has directly resulted in a {$2000.00} financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
Trident assessment management {$470.00} opened XX/XX/XXXX Last reported XX/XX/XXXX Trident assesment management XXXX perimeter center east XXXX XXXX XXXX georgia XXXX XXXX XXXX XXXX I have never been contacted by XXXX company. There is no possible way this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My complaint is about Refinancing a vehicle ( XXXX XXXX XXXX XXXX ) through PNC Bank, PNC bank then sent a check to XXXX XXXX for the pay off, however they sent the check to the wrong account. 
This leading to it effecting my credit drastically. 
I refinanced my vehicle XX/XX/XXXX. XXXX specialists name is XXXX XXXX. 
Address is PNC bank XXXX XXXX XXXX XXXX PA XXXX Since refinancing on XX/XX/2018 I have received XXXX billing statements from XXXX XXXX. The first bill was a general bill, ( when reviving the first general bill without late fees and charges I immediately reached out to XXXX XXXX. I then continued to receive bills from XXXX, the second and third bill both had late fee charges making my account passed due when all of this should have been paid off by PNC bank. 
XXXX XXXX is stating they are not at fault for my credit dropping because they can no longer locate the check PNC bank incorrectly sent out to the wrong account, which means PNC would be at fault for all the issues I am having since refinancing with PNC bank. 

XXXX XXXX was contacted again XX/XX/XXXX to inform him of the late payment notice from XXXX financial. 

On XX/XX/XXXX he replied stating he spoke with XXXX XXXX and stated nothing negative would happen to your credit XXXX. 

On XX/XX/XXXX you received the notice and I called PNC and spoke to XXXX in the escalation department. She stated she would get the loan and your credit XXXX corrected. Havent heard back from yet. 

It is now XX/XX/XXXX and I have received yet another bill from XXXX financial to bring it to a grand total of {$630.00} and my credit is still being effected. 

To date the loan is in default and impacting my credit XXXX despite the conflicting responses from PNC. 
Also noting that I have paid XXXX LOAN payments with PNC Bank since XX/XX/XXXX when refinancing my vehicle through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZARVAD III S.A.
State: IL

Complaint narrative:
I am in a XXXX program, I included my payday loans but they are not willing to cooperate with the settlement. Non stop calling XXXX bothering me and emailing me non stop. They are not excepting any settlement at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services is attempting to collect on a debt for XXXX XXXX XXXX   XXXX. However XXXX XXXX XXXX XXXX as well as Phoenix Financial Services has refused to provide me with proof of the Debt. I was not living in XXXX on the date of service in questions and was not seen at any of the XXXX XXXX. I requested for them to provide me a copy of any documents the individual presented when they signed into the hospital or anything that was present that proves this was me or my debt. They have refused. They are attempting to collect for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I requested a loan on XX/XX/XXXX, which was funded on XX/XX/XXXX. The agreement I signed stated that the first payment was due on XX/XX/XXXX. This is what I signed and what I authorized to be taken out of my bank account starting on that date. No earlier. 

One of their customer service reps, XXXX, was assisting in setting up the repayment schedule, and somehow backdated my payments and said they were due starting on XX/XX/XXXX. How would payments be due on XX/XX/XXXX for a loan I didn't take out until XX/XX/XXXX? Am I supposed to get in a time machine to go back in time to make this payment? She also didn't take responsibility for her mistake and just stated that " she saw that the payments were due starting on XX/XX/XXXX '' but didn't acknowledge that she made an error and caused this problem. This mistake caused a payment to be taken out of my account today, on XX/XX/XXXX, which I DID NOT AGREE TO. THIS WAS NOT IN MY REPAYMENT SCHEDULE and they still debited my bank account. I think this should be illegal. 

I was told it would take 2-3 days to fix, and now am being told 4+ days. I do not trust this company having access to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
i sent a letter to XXXX XXXX on the XXXX of XXXX concerning a account that is reporting i owed XXXX, asking them to verify this negative item belong to me.i know that they have 30 days to respond to this request before its considered a violation

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 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX, I had lost my credit card ( capital one ) somehow purchases and payments were still being made. This person, has been pretending to be me since then, ( email addresses, social media profiles, my drivers license, and threats from the other victims ). I filed 2 police reports around that time when this first happened to me. 

I created a report to dispute many credit cards that were under my name with XXXX. In XX/XX/XXXX, I received a bill from Capital one saying I owe them over 8 thousands dollars I then created a report and started the process. However my investigator that was on my case, told me in XX/XX/XXXX, that everything has been resolved, and to ignore the bills that I keep receiving because the process takes a while. Once I received a bill I contacted capital one and they are saying there is no fraud, even when my investigator told me everything is good to go. 
I have called capital one for 3 weeks, no answer or no call back. He is the only one who can work with me. I tried to get help from others, but they told me only this guy can help me because he was working my case. 

I am in a situation where I have no idea what to do or proceed, if nobody from capital one will help me.

Company response to consumer: Closed with explanation