vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
I obtained a mortgage through XXXX XXXX XXXX  approxiamately 12 years ago. Within one year of purchasing the property, XXXX sold my mortgage to one of their own substitute banking institutions PHH Mortgage. Who are associated with XXXX. PHH Mortgage company has contacted me several times telling me that they has not received my house payment after I had mailed, by US postal service, in ample time for them. In this last case, I was going to be hospitalized for a XXXX in XX/XX/XXXX, therefore I sent my house payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PHH Mortgage company stating I was two months behind on my mortgage and I needed to allow them access to my banking account so they could just take the money out themselves. I refused and stated I would E-bill the money to them overnight from a XXXX XXXX account and cancel the check that I sent. I also complained and told them I have never been late, nor missed, any previous mortgage payments. When rechecking my payment data, they did agree I had not missed any payments and only needed to make a payment that I knew I had placed in the mail 22 days prior. Then the next month, I recieved a letter from PHH Mortgage stating I needed to pay a cancel check fee for the house payment I sent. They received my check in the mail the very next day and wanted to charge me a fee for sending them a canceled check. Whom both XXXX and PHH mortgage companies would benefit from by XXXX canceling a check fee and PHH charging a receiving canceled check fee. Though I called both institutions and got all the fee 's withdrawned, this is an on-going banking practise used by these institutions to charge people fee 's that they could not otherwise obtain and blaming it on the US postal service. It has occurred on several occasions and I have complained to both institutions about it several times. I have nearly a perfect credit rating and keep hand written records of all outgoing bills each month. I am moved to complain about this banking practice, not for myself, I have alleviated the situation by E-billing all mortgage payments to PHH Mortgage from a XXXX account and keep confirmation numbers now. However, if this is a common practice for these institutions, then they are pulling this same scam on others as well. It does not take 22 days for US postal services to deliver mail and in every instance PHH has tried to charge me fee 's, my check would show up in their bank the very next day. They had two results in mind, One was to attempt false fee charging and Two was to force me into giving them checking account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I paid {$110.00} directly to the original creditor ( XXXX ) for account # XXXX and received a confirmation number of XXXX for my payment. By law, XXXX must recall the account from the collection agency ( Convergent ) as they have no legal reason to report on my credit reports and must delete.

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 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
In XX/XX/XXXX my home and property was seriously damaged by Hurricane Sandy. All my savings went into repairs and I lost income due to all the time needed to handle the mess. My, then, mortgage company, XXXX XXXX finally granted me a modification in XX/XX/XXXX but they increased my term to 40 years. I was not happy but I accepted it to just move on. 

In XX/XX/XXXX, XXXX XXXX sold my 40 year loan to SLS ( Specialized Loan Servicing ). On the first statement from SLS they requested {$400.00} over the original mortgage amount within days. When I contacted them to ask questions they told me I had to pay for escrow. ( In the past any escrow funds have always been charged with options being either lump sum or 12 monthly installments added to the mortgage. ) SLS said I must pay it ALL and the only option to make the deadline was a XXXX XXXX payment. They did not accept any other electronic forms of payment. 
Upon further research I found that XXXX XXXX can prove the funds were sent but not that they were received and many many people had complained that SLS was not posting the funds to their loans. Despite many conversations with the company they refused to offer any other options and I was unsure how to proceed. 

Experiencing how they deal with their customers was scaring me quite a bit, so I contacted a colleague whom works for a Law Firm that specializes in these sorts of situations. He helped me craft a complaint to the NY XXXX XXXX Court for breaching the original mortgage. 

For many months SLS repeatedly claims that they are unaware of the lawsuit even though I have the docs stamped by the court and they filed for a dismissal. They refuse to discuss any of it. 

Finally, in lieu of continuing on the legal front I hoped to obtain a realistic modification with hopefully a reduction in years/interest. A few weeks ago I submitted all the docs for modification and on XX/XX/XXXX SLS  sent a letter denying me any assistance. 

Please assist me in obtaining a qualified rep with SLS to discuss all the above mentioned matters.

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 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
Procollect Incorporated calls me at my phone number XXXX requesting payment of a debt for XXXX XXXX XXXX XXXX in the amount of {$2000.00}. I have repeated and told procollect Incorporated on 3 different occasions that I am not the person they are looking for - XXXX XXXX XXXX XXXX. today I spoke with XXXX XXXX at extension XXXX XXXX XXXX and XXXX XXXX at extension XXXX XXXX XXXX and they both told me that my phone number listed above was taken out of their system. I called back and asked the receptionist to research the account based on XXXX and my phone number is still associated with the person in which they are trying to collect a debt. 

Previously when I receive phone calls from procollect Incorporated, I let them know that this number was not associated with the person they are looking for and I was assured my phone number, XXXX, was removed from their system. I get called from their collectors about every month looking for the person above in relation to the debt they are trying to collect. I do not want to be receiving phone calls from procollect Incorporated anymore. 

I wish my phone number to be permanently removed from their system and to never receive a collection call from Pro Collect Incorporated ever again. 

I have the voicemail from todays phone requesting to contact me at my phone number.

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 2018-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I opened a new checking account at Flagstar Bank in XXXX XXXX, MI, then a week later, a XXXX XXXX there called me and demanded that I go down to the Social Security Admin and get a letter from them stating that my SSA Card that I had given them was indeed mine. She stated that Date-of-Births are printed on cards now and that my replacement card with a recent date can not be correct. But DOB 's are not on cards, however since 2007, the date of issue is printed on the card. She changed her story again and again, then said XXXX XXXX   had flagged me and that they wanted more proof of who I am. So, in 35 degree weather, this XXXX & XXXX Veteran went out to catch the bus to go down there and then get a number and wait in line for an hour. I explained the story to the clerk and in a surprise, he did furnish me a letter, but said that management would call XXXX XXXX XXXX  as the SSA is not to be used this way. I got wet & was exhausted and then emailed it to XXXX, but she did not reply even after 4 hours. What's this all about - some kind of joke? I signed up for the {$250.00} bonus for opening a new account. Banks advertise these things. Are banks now trying to entrap folks for answering the ad? Have I signed up for too many? Each institution limits the bonuses to 1 per year. This seems abusive and further explanation should be forthcoming.

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 2018-04-03 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: CA

Complaint narrative:
XX/XX/XXXX I requested a new Credit Card " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in XX/XX/XXXX. One of the benefits I valued was Trip Cancellation/Interruption insurance up to $ XXXX.per event, {$10000.00} per year. In addition, all purchases accumulated XXXX points for every dollar spent. ( XXXX ) I have used the card extensively, payments were automatically deducted from my bank account ( auto-pay ) and my credit score has been around 800. 

On XX/XX/XXXX, I contacted the bank and, given my good standing, asked for a waiver of the {$89.00} annual fee. The gentleman instead offered a NO FEE card, especially since almost all my charges were for travel and dining expenses. He stated explicitly that this card would fit since the only difference from the previous card was that, " XXXX points would be given for Travel and Dining expenses '' en " XXXX point for all other expenses. ALL OTHER BENEFITS WILL REMAIN THE SAME ''. I heard him say that more than once. 

We agreed to proceed. I could continue to use my other card until the new card arrived and was activated. 

On XX/XX/XXXX, I received the new card in the mail. ( XXXX ). The name was changed to " Arrival ''. The card had a sticker asking to " Activate your card now at .... '' I did not activate the card but first verified the insert and benefits. THE BENEFITS WERE DIFFERENT. The travel protection was reduced to {$1500.00}! 

I contacted the bank immediately and today informed me and they have already switched me to the new card program and are unwilling to allow me to go back to my prior card and benefits. They claim that procedure was followed. I vehemently contest that statement. Is it proper procedure to misrepresent the benefits? 


Here are the reasons for my complaint : : 1. The agent did NOT disclose that the benefits for travel insurance would be reduced. To the contrary, he said that all benefits would remain the same. 

2. When the card arrived, it had to be activated to become valid, which I did not do. 

3. It was my understanding that the new card would become active AFTER I had activated it and that at that point the previous card could be destroyed. He did not say that I would be switched IMMEDIATELY that day of XX/XX/XXXX to the new account. Moreover, how can anyone agree to misrepresented verbal information which turns out to be materially different from the written information received in th mail. How could, it be that a consumer has no recourse after seeing information that was different than what was promised? One has usually a few days to decide AFTER the pertinent information has been provided. 

This is the second time in a year that I have to file a complaint for misrepresentation of facts by Barclays.

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 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MO

Complaint narrative:
I filed a dispute claim for unauthorized transaction on XX/XX/XXXX around XXXX for XXXX and a unauthorized transfer from my account to another party account on XX/XX/XXXX for {$250.00} dollars. The dispute claim sent me a message on XX/XX/XXXX saying they didnt find no errors made. So I had sent them over some documentation saying I was a victim of identity theft. So they sent over a message saying on XX/XX/XXXX there wasnt no declines for insufficient funds made, so I keep stating to them that the person who stole my identity was someone they was very close to me friend/ family member who knew I just received my tax refund. So of course someone close they knew how much to take off. And they also saying my pin wasnt changed prior after the transaction was made and I also explained to them that I didnt realize my funds was stolen until the next day when i realize someone around me had stolen my wallet. So thats when I called to check my balance and cancelled my card. Than comes XX/XX/XXXX when the transfer was made the same close person to me knew I issued a new card so they knew my account number and everything because my wallet had my social security number and everything inside so they made a transfer from out my account into my cousin NetSpend card because they stole his card as well, a mastermind when it came to taking my money. Basically XXXX XXXX NetSpend Prepaid XXXX dispute claim is calling me a liar and saying that I was the one who spent my funds and that Im not a victim of identity theft and its not fair to me nor my kids that I couldnt handle all my business because I came up short.

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 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX contacted me by mail about an alleged debt i owe to XXXX XXXX XXXX in XX/XX/2018. I responded by certified mail asking for validation of said debt and that all correspondence be sent in mail, they have called me without validation of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ID theft victim, unknown acct, police report filed

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 2018-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was laid off and still trying to manage everything at the time my mortgage was {$820.00} rounded off. I was attempting to pay something every other week to stay on top of things. I was making my payments through the automated system until I was unable to do that so I then started calling in to make payments, some agents would take payment and some wouldn't take payment because it wasn't the whole amount. It's been a couple of things I find strange. 1. My mortgage went up and I didn't have a clue about it going up to {$940.00}, so everything that I had been paying was based on the {$820.00}. 2. I received a letter stating that an amount of {$3300.00} was due on XX/XX/XXXX. I called in concerning making a payment in XX/XX/XXXX, and of course, at this time no payments are being taken from me because the foreclosure process had started. Not only that I was told a completely different amount of the {$3300.00} that was in the letter, it was then {$6000.00} plus. I asked how did it go from {$3300.00} to {$6000.00} plus and never got an answer on that for me to understand why the letter stated one thing, and I was being told something else. I then asked about my options to see what could be done to save the house. I'm a little confused or don't completely understand the law about going through a modification process and being in foreclosure at the same time. My First sale date was XX/XX/XXXX, and now XX/XX/XXXX. It seems that we're spinning wheels now in this process because I'm being asked for the same documents over again that CitiMortgage has already requested and I provided to them. This request was made on XX/XX/XXXX, which I submitted to them through XXXX on XX/XX/XXXX. Based on the email from XX/XX/XXXX and a letter I received from CitiMortgage stated that the documents asked for in the email and the letter are the documents needed to determine the final decision. I received an email today stating that the file has been sent back for review, as well as two text messages on XX/XX/XXXX and XX/XX/XXXX stating that my application is with underwriting which can take 30 days and they will keep me advised.

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 2018-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I signed up for Identity Theft Protection with my bank, Wells Fargo, in XX/XX/XXXX. I was told I would be charged an annual fee of {$12.00} for Quarterly credit reports. 
Just recently I had a XXXX balance when this charge for XXXX came through from XXXX, listed as XXXX with a string of information. I had never noticed this payment before. I called Wells Fargo ( WF ) and asked what that was, they said XXXX had been charging me monthly for the last 5 months. I requested a stop-payment and my money back, looked up the company and learned there was a class action lawsuit for this company doing the exact same thing to many, many people. WF opened a case. WF later called me back and said that I had in fact been charged monthly since XX/XX/XXXX. I was charged twice in that first month. I was willing to pay the annual fee, and wanted to dispute the remaining 11 per year x 7 plus 1 for the first month, and two for XX/XX/XXXX. So, XXXX x 80 payments. I called WF to ask for a status update and they said they had refunded me {$50.00}, but that the case was still open as these things can take up to 18 months to close. I then received a letter telling me to consider the case closed, and to pay closer attention to my statements. Please help!

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 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Im writing yet again in hopes you can intervene to get US Bank to review our loan honestly and accurately, and keep a family in their home. Right now we are being reviewed but US Bank keeps losing our paperwork, and has been tracking our home for foreclosure while we are in active review. I was told that if we submitted the paperwork for a review 37 days before a sale date, we would get a fair review, and this has not happened. 

As I stated in my prior complaint, the issues started when due to health reasons I lost my job of ten years, at XXXX. My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. It was, and is still a nightmare. I have to fax every form in three or four times. Every time I call in I speak to someone new. I have an application with them now, and just today was requested a form I have sent in twice. When I said I sent it in, the person checked put me on hold for thirty minutes and eventually found it! 

While my file is being reviewed, they assured me my home would not be sold. Imagine my shock when I came home and found another notice on my door that the home is going to be sold at the end of the month! I called and they told me that the sale was rescheduled for XX/XX/XXXX,  but I have already been told on three occasions that there wouldnt be a sale date scheduled until I had at least had my application properly reviewed.

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 2018-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
went truck shopping for a certain truck which was a XXXX XXXX XXXX or higher. found car stars on XXXX of a XXXX XXXX XXXX XXXX XXXX fully loaded sunroof navi the works in stock forsale at this lot., i called i spoke with XXXX , invited me in too view the XXXX XXXX. i have all documents for proof also. im not a car expert i have very little knowledge about cars/trucks. The truck had no sunroof as described in ad. but that was ok. i purchased the vehicle as an XXXX model which is the middle class of the XXXX. i thought i got a good deal until i went too XXXX dealer for an oil change they made me aware of the true model of the truck which was the lowest model of the XXXX for that year, the dealer charged me for the XXXX version when i had the XXXX version cheapest model. XXXX i paid for down payment. contacted the dealership and made them, aware of the findings they told me i was wrong and that my information was wrong and that it was an XXXX model. it was not, i sent over paperwork stating what the truck was and how can we work this out. dealer didnt want too make new terms for vehicle at correct pricing, so i returned the truck a few days later.. i was told no one gets too ride for free after bringing a vehicle back too cancel deal so i was charged a rental fee and damage to the left side driver rear view window that had a scuff on it from sitting on the lot for several months. dealer on refunded me XXXX out of XXXX for rental fees and a mirror that was already scuffed up when i purchased. i was charge more taxes then usual missing paperwork, miles were submitted wrong to finance company to recieve more monies for the truck and it was not even the correct truck trim that was submitted, if it were the would have not loan that amount. its alot of fraud being done at this car dealer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation