vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from BCA Financial. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. BCA FINANCIAL SERVICES, It Ian illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
DearSir/Madam, I did a mortgage modification with the XXXX XXXX at XXXX and started making my regular payments every month on time. On XX/XX/XXXX when I went to the XXXX XXXX to make mortgage payment for that month I was told that my mortgage was took over by The Select Portfolio Servicing and I needed to make the payments to them starting that month, XX/XX/XXXX. I called the Select Portfolio Servicing phone number that was provided to me by the XXXX XXXX so I could make the arrange payments. After I spoke to a Select Portfolio Servicing agent who stated that they were told that I didn't pay my last 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  After that false accusation I thought it was a mistake on their end and I spoke with one of their supervisor, who stated the same accusation and told me he would close the case if I could fax him the XXXX XXXX statements which they should have already received them from the XXXX XXXX   when they took over my mortgage. Not only the statements but I also sent them the copies of the payments slips including those months they accused of me not paying. Each time after I faxed those documents to the Select Portfolio Servicing, inc. with the confirmation for the fax, they kept denying and telling me they didn't receive it. after the modification I always made my payments on time to the XXXX XXXX and to the Select Portfolio Servicing after they took over my mortgage on XX/XX/XXXX. Each time I called to Select Portfolio Servicing for the payments over the phone using my checking information, I was always subject of their allegations and harassment, not only that also getting harassing phone calls numerous times every day for years, receiving letters of their false accusations with threaten me to lose my house, messing up my credit with their default claims since the XX/XX/XXXX, for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments I already paid on time and faxed them the copies of the payments slips and the former mortgage company ( XXXX XXXX ) statements. I got so tired and frustrated of this false allegations and started doing 3 months auto payments in one time so I didn't have to deal with their lies every month. When I called them again to make 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX at XXXX eastern time, I spoke to their agent XXXX XXXX XXXX who stated that she can't process my next 3 months payments because my house is on foreclosure and handling by the attorney named XXXX XXXX with the phone number XXXX XXXX XXXX. as a results of the intentional wrongdoings of Select Portfolio Servicing for almost last 5 years I am at the edge of loosing my house, my health and damaged my credit severely. I am respectfully asking you to bring the justice to this case and taking necessary punitive actions for this company. Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Fair Financial Corp.
State: CA

Complaint narrative:
I purchased a lease to own car from XXXX XXXX leasing on XX/XX/2015. The terms of the deal were that I had to pay {$130.00} every week for 3 consecutive years. I kept up my side of the deal as far as making payments but after the second year I gave the company {$8000.00} in advance to buyout the final year of the lease. The original company whom I obtained the lease from XXXX XXXX XXXX XXXX has since sold the company to a new company called ( Fair ). Fair is  now saying that they never received the money from my {$8000.00} payments even though my bank XXXX XXXX is indicating that the money did indeed go through and no reversals were made. I have received emails from the original leasing company with confirmation numbers and receipts to back up my claims. My car has since been wrongfully reposed and the company is now saying I owe $ XXXX.I contacted the company and requested an itemized accounting of my payments and they have refused to provide me with my records.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
Bank is taking money from people without them knowing. I paid for unlimited plan but got put on pay as you go. So instead of 5 a month in fees. I have been paying XXXX per debit and XXXX pre credit transaction. Called and complained was refunded XXXX dollars for the past 2 days. Saying they were wrong, but if so why can I not get the rest that is owed

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 2018-05-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove the XXXX XXXX XXXX charge off from my Equifax credit report immediately since this was never my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2018, I received a payment from a friend in the amount of {$65.00} I was out of town and had car trouble, and the money was to help me out. When I attempted to transfer to my debit card, I kept getting an error message. Thinking the issue may be with the card, I added a different debit card I have with another bank. I was still unable to transfer the money. Upon reaching out to the " help '' section, I learned my account had been frozen because I'd evidently added a debit card that was already linked to another users account. Which probably is my husband, and it's a joint account. Since that time, I've sent multiple documents from both banks, photo 's of the actual debit cards, and copies of my non expired driver 's license multiple times. My account remains frozen and I am still unable to access my money. I've sent dozens of emails, chatted with customer support via the app chat support, and called and spoke to representatives. I believe XXXX is willfully and intentionally holding my funds unnecessarily and without merit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
I have a a unverified account from Reliant Capital Solutions LLC. I had previously disputed this account. I have never done business with Reliant Capital Solutions LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Reliant Capital Solutions LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ).  Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital Solutions LLC Cease and Desist all further communication 9. ) This account is a XXXX violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I filed a prior complaint with this mortgage company. Complaint # XXXX. And they did not address the issues that I specifically asked to be addressed. 


I know that the decree was not sufficient to remove me from the debt that is why I attended several of the foreclosure mediations as stated in my complaint. And filed to have me removed from the foreclosure matter. At which time I was removed by the Judge and their own attorneys office. None of which is stated in the letter they filed as their final findings even though a letter from their own attorneys office was provided to them stating I was withdrawn from the foreclosure and I was not a party to it and had no liability. None of this is in their final letter. 


Furthermore my credit report shows that they are showing that I am still late on a mortgage that no longer exists which is ruining my credit further. How can you say a person is 120 days late on a mortgage that was foreclosed on 2 years ago? You are ruining my credit. 

I was not a party to the foreclosure therefore the word " foreclosure '' should not be on my credit report and furthermore you should stop marking me late on a mortgage that no longer exists. 

This is absolutely insane and needs to stop. I want this cleared up immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
This is the third attempt to obtain assistance, I reached out to the Dept of Financial Institutions, who referred me to Comptrollers office who know referred me to CFPB. 
Like many other consumers, am trapped in a Mortgage that is larger than what my property is worth ; no to mention the security issues that I am having - that my car was broken into twice once XX/XX/XXXX and the other in XX/XX/XXXX. The Association told me they cant provide any security. Also, the property needs repairs and it has a little of black mold in the bathroom. 
Because of this issues On XX/XX/XXXX and XX/XX/XXXX, I contacted US Bank via email ( XXXX, XXXX, XXXX ). I was basically asking for assistance with my current Mortgage. I wanted to know if US Bank have any Programs that can help me without affecting my credit? I was reading that short sales, DIL and even Foreclosures will have a huge impact on my credit score, which will cause an impediment for me to be able to purchase a new safer property. 
US Bank is aware, as I have mentioned in numerous conversations with them that the current mortgage of {$87000.00} is more than the value of the property ; In XX/XX/XXXX US Bank did an appraisal as part of a loan modification, and valued my condo to $ XXXX +/-. In XX/XX/XXXX The City Assessors office valued my property at {$71.00}, XXXX. In addition, sale comparables around me are in the 40s and as I mentioned before the condo itself needs some rehab. 
As of XX/XX/XXXX, I have not received any acknowledgement on my request. I want to buy a house but Im currently stuck in the condo where I dont feel safe.

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 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have over {$1600.00} in cleared funds with paypal and need {$50.00} for a rx they have an instant transfer service that usually transfers the money in 30 minutes or less.

i initiated the transfer and was informed that an arbitraty 24 hr hold was on my funds.

as an ex-employee of XXXX XXXX XXXX i believe this is a violation of banking rules as we had to release {$100.00} of any uncleared check to a customer depositing.

i have money with paypal and have for years and cleared money for months and NO ACCESS to my funds that i need immediately.

i think they should be fined and my monies released to me immediately. 

Transaction ID : XXXX sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as a paid collection with a zero balance. The problem is I paid this in full with XXXX XXXX, so it should have never gone to collections or have been reported as past due. After receiving a letter from XXXX XXXX XXXX in XXXX advising me that they would notify the credit bureaus to remove the account, XXXX and XXXX   have both deleted it, however it is still showing on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accelerated Financial Solutions, LLC
State: AL

Complaint narrative:
I have received notice from relatives that AFS collection company has contacted them asking for information about me and gave personal information about me. They have obtained addresses and phone numbers of relatives too. The amount and statue of limitations is up and I had previously paid the company I have not received a notice of any information. I told them verabally to stop contacting me but they refused. They call repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with Chase-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the Chase site last night, I could not log in, I went to XXXX XXXX, " no information is available at this time ''. I am sick to my stomach as what has happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I am in the process of working on a loan and was alerted to a collection from XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by Convergent when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

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 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Kohl 's XXXX XXXX started calling my cell phone : XXXX on XX/XX/XXXX. 
I saw the first call, went online and noticed I missed my bill due on XX/XX/XXXX. My new payment due was {$150.00} and I scheduled an online payment for XX/XX/XXXX for the entire {$150.00}. 
I received 2 more calls after that payment was scheduled on XX/XX/XXXX at XXXX and XXXX. 
I received another call from Kohl 's on XX/XX/XXXX at XXXX. I went online again and made another payment, this time for just {$19.00} since I had already setup the total due to be made. 
I received a voicemail that night around XXXX. 
With 2 payments now pending in the system for more than my total due, I have received another 2 voicemails and 2 calls each on XX/XX/XXXX and XX/XX/XXXX. 

This must be a FDCPA violation since payment has been made and still I am receiving calls from a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened an account with XXXX XXXX which is part of Popular Bank, member FDIC. Between early XX/XX/XXXX and mid XX/XX/XXXX, I kept adding funds from other bank accounts. As of today, the account contains close to {$500000.00}. On XX/XX/XXXX, I went online and tried to withdraw {$2000.00} from the account. The system gave me an error message, asking me to call the bank 's customer service. I called customer service and was told that the account was blocked pending " original funds verification ''. Popular Bank never told me that they had blocked my account and that they needed additional information from me. According to the phone representative, they just wait until customers try to withdraw funds before they tell their customers that there's an issue. 
I was asked to email a statement from the bank which originally funded the account at XXXX XXXX to Popular 's fraud department. I did this yesterday afternoon ( XX/XX/XXXX ). This afternoon ( XX/XX/XXXX ) I tried again, unsuccessfully, to withdraw {$2000.00} from the account. I called customer service again and was told that the account is still blocked. The service representative couldn't give me a status update. When I asked to speak with a supervisor I was told that that supervisors are not available and that " someone '' will call me back in 1-2 business days.

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 2018-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Hello, I purchased a car, ( XXXX XXXX ) in XX/XX/XXXX. The price was {$17000.00} and I put down {$1500.00}. At the time I has just started a job after being laid off for a year and need a car badly. I have my payments automatically deducted out of my bank account, so they are always on time and I have not missed a payment. The payments are $ XXXX monthly. I have paid a total of {$16000.00} to date. I went online to see my payoff amount last year ( XX/XX/XXXX ) and it was approximately {$8000.00}. I asked if I could refinance the balance in hope of getting a lower interest rate and was told that they do not refinance. Ok, I continued to make my payments, diligently making sure the available funds were in my account. Hoping to pay off the loan early. I checked online again in XX/XX/XXXX and it was XXXX. Which I though was in error. I called and was told it was the interest. I called again yesterday and was told the new balance is {$11000.00}. After some back and forth with the rep that answered the phone, I asked to speak to a supervisor. Once the supervisor got on the phone, she said it was the interest rate. I asked how can I have a 5yr term loan if the balance is going in the opposite direction from where it should go. She again said it was the interest. I then said how can I have a maturity date with a policy like such. I told her I have had multiple car loans and I have never had the balance increase rather than decrease unless there was a missed payment. She said she car refer me to the President of the company and someone from his team will call me. I have not heard from them to date. I think however they are compounding their interest it is causing consumers to pay an extremely high cost even when they are making payments on time. I also asked if there was an office I could go and talk to someone and she said there was not office. I can not believe this is legal. The company is XXXX XXXX XXXX. I opened the account in XXXX, PA

Company response to consumer: Closed with explanation