vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail  alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. Portfolio recovery associates have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I received a letter from The Receivable Management Services LLC ( debt collection agency ) dated XX/XX/XXXX that I owe a debt of {$34000.00} to my former employer. I dispute the validity of this debt. 

It has been over two years since I left my previous employer and the letter indicates that debt is from XX/XX/XXXX. The letter did not include any signed documentation or a contract signed by me that I owe this debt. I dispute the validity of this debt.

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 2018-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Per federal regulations, any debt exceeding 7 year-old can not show up on the consumer 's credit report. The debt in question is over 7 years-old. Debt Recovery Solutions is falsifying records and stating the debt was establish as of XX/XX/2018 on my credit report. This is a false statement and against the law to falsifying records. This company is engaging illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I have called and told them on 3 different occasions that i could not make my payment due to a financial situation. I asked her to get a pay extension and she said yes as if i went into the store. I told her that it wouldn't be today but tomorrow. Then she continued to call me and all my references even after i set that up. I had informed her not to call my references as they don't know my personal life or money situation. And she continues to do it. She even called them today without even calling me about the loan

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 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have tried on several occasions to work with the mortgage company and they denied the modification. But the problem is the mortgage company is not supposed to be practicing mortgages any longer and they sold my loan to XXXX. Now I have XXXX XXXX XXXX XXXX XXXX trying to foreclose on my home and take my to court on XX/XX/2018. Ocwen who is the servicing company is telling me I need to come up with {$15000.00} to stop the foreclosure.

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 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Nicholas Financial Inc.
State: IL

Complaint narrative:
We purchased a car and did not receive paperwork with terms of loan till later. No where did it state about 1000 % interest. For every XXXX Payment only XXXX goes to principal after 3 years of payments the loan is almost of what we borrowed from Nicholas Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Got 2nd mortgage with XXXX XXXX in XX/XX/XXXX, amount owed was XXXX, they sold my account to XXXX XXXX  in XX/XX/XXXX after 16 yrs. I finally paid it off in XX/XX/XXXX, when I got the DEED of TRUST amount showing on it was XXXX after paying XXXX per month for 25 yrs. you  would think amount would go down instead of up. Not sure whats going on but I would like to know if any one else is having this same problem with SELECT PORTFOLIA SERVICING, XXXX Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a non-targeted Citi Bank checking and saving account combo on XX/XX/2018 because they have an ongoing promotion of {$400.00} to new customers who deposit more than {$15000.00} in new money. I deposited {$1500.00} on XX/XX/2018 and {$15000.00} on XX/XX/2018. I maintained at least {$15000.00} throughout the time with Citibank in order to get the promotion. Citibank has tendency of deceit and bait and switch on these marketing tactics. I have chatted with the customer service representatives many times on the bonus, and all of them informed me that I would get the {$400.00} by XX/XX/2018. You can see the attached screenshot. However, when I contacted Citibank on XX/XX/2018, they said that I did not qualify for the promotion, despite the fact that this is still an ongoing promotion on their website : https : //banking.citi.com/XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a Visa reloadable card and loaded {$500.00} on it at XXXX. Upon opening the intact packaging, I found the card was demagnetized, the magnetic strip already heavily damaged. The card had clearly been tampered with somehow by a thief intending to steal the funds. I called to have a replacement card sent and the initial card deactivated. US Bank 's representative and the supervisor, XXXX, refused to waive a XXXX fee, despite the fact that it was no fault of mine that the card already came compromised.

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 2018-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
You closed complaint # XXXX in error and I do not think you understand the issue. XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT posted my credit. Sure they will list the return under transactions, BUT it does NOT decrease your balance. See email below from XXXX XXXX  advising I have an pending, unposted credit transaction for {$100.00}. To this date, XX/XX/18, it has posted to my account! 

From : XXXX XXXXSent : Saturday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

Our records indicate that the credit limit on your XXXX XXXX account is {$1000.00}. Since there is an unposted credit transaction of {$100.00}, your available credit limit is {$470.00}. Also, the current balance on your account is {$630.00} We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had complaint the double charge on one item with Bank of America ; I had tried to contact the merchant to return the item without the merchant 's  response. I had tried to contact Bank of America several times about this addition charge ; I had told the bank that I am willing to return the item ; but, the merchant did not communicate with me except the asking the fund from the bank. However, the bank did not spend time to investigate and discuss the issue with the merchant. On the other hand, they just favor the merchant 's requested. The Bank of America claim # is XXXX. Thanks in advance for your consideration. 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 explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I used XXXX ( XXXX ) through my chase app to pay someone for concert tickets. Turns out the person was a scammer and did not send me any tickets for my payment of {$280.00}. I have filed a claim with chase and they have told me that there is nothing they can do other than wait for a response from XXXX. I call XXXX and they tell me that there is nothing they can do. I just find it hard to believe that both Chase, who Ive been banking with for years, cant do anything to recover the funds. Im getting very frustrated since no one can do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I recently refinanced my home loan, the purpose was to escrow my insurance and taxes. Later I found out that was not done, I even asked the notary before my signing. I believe I was deceived and taken advance of because of my age. My payment is higher and my taxes and insurance was not set in an escrow. The company paid the first year of taxes and insurance but told me I would have to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I have been behind on several payments due to being unable to work and living solely on XXXX pay with my wife and XXXX kids. My wife is my XXXX through the XXXX so she cant work but is a XXXX and has filed as a XXXX through the XXXX. We are waiting on those results. All 3 loan mod payments were made in the month agreed except for XX/XX/XXXX, which was made a day late on XX/XX/XXXX. I spoke with PennyMac about this and was assured everything would be ok. I have also been in contact with a HUD company called XXXX XXXX XXXX XXXX XXXX which tried to send a third party request to stop foreclosure. PennyMac did not. This is my XXXX coordinator in which when she talked with PennyMac was lied to about everything. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX HUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Please note we moved to the XXXX XXXX  XXXX, AZ XXXX ( XXXX ) XXXX Main ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax Here is the agreement and PennyMacs own payment statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please help. I have a hard time with day to day activities and XXXX kids who depend on me. Finances have recently freed up about {$1200.00} so my mortgage should not be an issue making.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Someone had purchased computers from me and sent me {$10000.00} via PayPal on XX/XX/2018 but used an XXXX card as a funding source. On XX/XX/2018, the buyer disputed the transaction claiming " Item Not Delivered ''. The {$10000.00} was removed from my PayPal account on XX/XX/2018. This buyer was an acquaintance thus no receipt was ever generated. He can not prove how many machines he purchased. I have pictures of all the machines he purchased in his basement. I personally delivered them to his house and set them up. I am supposed to be innocent until proven guilty. Instead what happened was I was guilty and because I don't have a bill of sale, the only proof I have of the items being delivered in full is the pictures of the items in his basement. I can describe the inside of his house as well as his basement where I set them up perfectly. I am willing to sign an affidavit to back up my statement that I 100 % delivered each and every machine he paid for. PayPal failed to perform any type of investigation on the matter and instead simply let XXXX pull the funds from my account. I am disputing this charge back on the grounds that I delivered each and every machine he had paid for on XX/XX/2018 when I drove them to his house at XXXX XXXX XXXX XXXX MD XXXX. Case ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: MD

Complaint narrative:
On XX/XX/17, I submitted a complaint through XXXX regarding Credit Protection Association ( CPA ) in TX, which reported a collection on my credit report regarding an account. They agreed to delete it from my credit report and they did. However, last week I received a notification from my credit monitoring that CPA reported another, if not the same account that was deleted a year ago. 

I have not received any notice regarding the collection and I have the right to receive a notice and to be given a chance to validate the debt before Credit Protection Association reported it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I received a letter from McCarthy, Burgess & Wolff ( A Collection Agency ) dated XX/XX/18 stating that I owe the amount of {$1600.00} to XXXX XXXX. Well, I have NEVER had an account with XXXX XXXX. 

I tried calling the phone number on the letter ( XXXX ext. XXXX ) to reach a XXXX XXXX, but that number was for a completely different company ( XXXX XXXX, I think ). It was NOT the phone number for the collection agency. Obviously, something is very fishy. 

I just sent a letter to McCarthy, Burgess & Wolff explaining that I never had an account with XXXX or XXXX XXXX. 

The account number they gave me : XXXX Reference # : 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 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied and got approved for a secured credit card so that I can start building credit for the sake of my life changing events ( newborn, family, new job, etc. ) to grow in knowledge and access to financial responsibilities. My required deposit of {$300.00} was processed in a quick and timely manner but my credit card never came. Patiently, I waited and attempted to contact your company, despite the aforementioned changes in my life and busy schedule. It was impossible to get ahold of anyone in your company. No recordings, no live representatives. Nothing. The closest I got to reaching anyone was when the long hold stopped and then the call ended. I researched ways to get in touch if calling failed. I sent letters in writing, after several call attempts, to the address on my statements. Once for a new card ( around XX/XX/XXXX ) and another to close my account with a refund ( XX/XX/XXXX ). According to several online sources with similar experiences, this was quite common to not hear back or get an answer from this company. I continued to get statements despite never receiving a card, so my address on file was correct. No responses in regards to my request were answered. The only communication I received other than statements, was when my deposit amount was depleted to {$0.00} over time ( until XX/XX/XXXX! ) and THEN I finally received my card in the mail, 3 years later, unused and with a now closed account. This has left a negative impact on my credit report causing a domino effect towards other credit applications, lasting effects on my financial status, and a debt in my name from my own hard earned money that I never got to utilize. This is not fair to report an account that was never used and never given proper documents to utilize such account activities until after the account has closed and damage has been done. I would like to request proof of delivery and date of inital card ( s ) issued for this account as well as dates of notices for each statement and closure warnings. Please also be transparent about the availability and contact sources for consumers with similar grievances. If no proof can be provided for when the inital card was delivered, or if it was sent, as I stated, after the closing of said account, I would like this report to be removed and forgiven so that no further harm can be done to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Leased a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX, never missed a payment, never late, carried a credit score of over XXXX. Turned the vehicle in XX/XX/XXXX, lease was up on XX/XX/XXXX, I paid in advance to turn it in early, thought that was it. On XXXX XXXX I received a credit alert that XXXX XXXX XXXX XXXX reported me delinquent, late 30 days, but early termination, obligation satisfied. It dropped my credit score over 120 points. I called them, they said so sorry, we will start an investigation, and it would help if you could send supporting paperwork, which I did and even mailed return receipt requested. I also reported to XXXX  and XXXX and started disputes. On XXXX XXXX XXXX  sent me their investigation which found in my favor and changed the status Improved account no delinquency and raised my score to XXXX. I then called XXXX to see why I hadn't heard from them, they said they were still looking into it, which had me puzzled, they said they would know within 30 days. Yesterday, I received another alert that XXXX reported me delinquent again. I am so upset and distraught over this false reporting I called, asked for a supervisor and they said they will start ANOTHER investigation. Please someone help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX - Citi Bank has not applied the payment sent on XXXX. The check has cleared the bank but the account has not been credited for the payment.

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 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I have been paying on this account for over 10 years and I feel I have paid to much. The original amount owed was {$20000.00}, and the agreed amount is {$11000.00} I've paid this debt amount down to $ XXXXThe monthly payment is XXXX. The amount of the loan was {$5000.00}. They didn't explain to me about the high interest amount. I thought I had paid the full amount, but they turned this into a collection agency. The collection agency is XXXX XXXX XXXX XXXX. The original account number is XXXX and the current account number is XXXX ill you please investigate this company to see if this is legal Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: ID

Complaint narrative:
XXXX took over my car loan. the repedetly call me its 3-4 times a day all with in three hours. i called them asked them to stop calling they said they will call over and over tell they get me. i have never even been late on a payment and they harrass me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
this correspondence is reference to predatory lending, I hired a legal firm XXXX XXXX to represent me with current mortgage lender ( PennyMac ) .The loan didn't get modified I paid the firm $ XXXX monthy. My name has been removed off the title and in foreclosure.

Company response to consumer: Closed with explanation