vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This is in response to Select Portfolio Servicing , INC. ( SPS ) CFPB response to complaint XXXX, dated XX/XX/XXXX. I have several issues/concerns with this response. 1- SPS never addressed the illegal trespassing on private property. 2- SPS 's alleged validation of debt is unacceptable. SPS is a servicer and/or debt collector. SPS is not the alleged note holder and has yet to provide any documentation from the alleged note holder providing proof of their security interest ; i.e. assignment documentation. 3- In the Broker 's Price Opinion ( BPO ) provided in the response by SPS , an " out building '' was used in the assessment. This building is not even on the property of the subject property that was being assessed. Not to mention the entire BPO is based on the wrong property as described in the mortgage documents. SPS continues to inflate the price of subject property in a fraudulent manner. 4- SPS ' BPO states the subject property has an estimated value of {$100000.00}, yet they forced placed  insurance on the property in the amount of {$230000.00} in coverage from XXXX XXXX XXXX XXXX as Select Portfolio Servicing , Inc. named as the first insured ( Policy # XXXX ). This is not only unethical, it's illegal. 5- On XX/XX/XXXX, XXXX stated they provided me a copy of all origination related documents pertaining to account # XXXX. This was false and a misrepresentation of the facts. The documents included : Customer Application, Loan Agreement Including Truth-in-Lending Disclosure, Notice of Right to Cancel, Recorded Mortgage, Good Faith Estimate, HUD Settlement Statement, Servicing Transfer Disclosure Statement, Hazard Insurance Disclosure, Waiver of Escrow and Origination Appraisal. However, in SPS 's XX/XX/XXXX response they included a document entitled " Arbitration Rider '' as part of the alleged loan documents. I have never seen this document and XXXX has never provided it to me as a result of my numerous inquiries. As a result, I would like XXXX to explain why it was not sent with the documents requested and provide a copy of the document and any other document ( s ) they neglected to send me in their XX/XX/XXXX correspondence. Either the document does not exist and SPS fabricated it, or XXXX has once again been negligent in performing their duties. Please advise, I continue to assert SPS continues to act in a fraudulent manner and misrepresents their legal abilities as a servicer/debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I have tried since XXXX to close my savings account and Arvest Bank keeps charging and refunding XXXX service fee without closing my account. I do not understand. IT is at a XXXX balance now, ask to close it and still have it open????? 

Then I wanted to close my checking account because of excessive over draft fees being charged, some I was responsible but some I was not, my direct deposits were being credited after there charges for the same day as my deposit went in. Finally, just wanted to close, got tired of fighting with them. 

I withdrew all of my money on XXXX leaving enough to cover insurance payment coming out. Withdrew XXXX leaving XXXX which would have taken me to zero balance. On XXXX the insurance payment came through, I assumed they would close my account. On XX/XX/XXXX a XXXX charge from XXXX came through. I was charged XXXX over draft fee on XX/XX/XXXX. I disputed this charge and was refunded XXXX????? bringing my balance down from XXXX to XXXX. I have repeatedly disputed this charge. First old I made it in XXXX XXXX, which I live and work in XXXX OK was not in XXXX nor did I go to XXXX, then I was told I used my card in a XXXX XXXX, no I did not. I was told to " prove it ''. I am not paying this. It has become ridiculous and frustrating. Every time I call I get a different person with a different answer or excuse if you will. Can anyone please assist me in this matter? I feel they need to be investigated for excessive over draft fees they charge as well as these unauthorized charges not made by the customer. I assure you through this ordeal I have learned of several others who have had similar and worse issues. THANK YOU IN ADVANCE for any assistance you can give. I just want to close my account.

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 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Depositor by thye name of XXXX XXXX deposited funds into my account another person impersonated through my information and created to steal tyhe funds that were carried over to my new account that was created after double debit probl ; ems occuring .the funds were secured and traqnsfered to my new account information and someone creates a check to steal the funds out my account. it was said to be a company called XXXX XXXX  who wrote a letter on my behalf at they beggining of the claim statimng that they did not retrieve these out my account and never had my banking informatiom=n and that no one from their company can transfer checks that large or recieves any kind of payroll for thee amount of XXXX cent none of the claims at wells fargo were handeled correctly niether did the bank try to call the merchant back that they said recieved the funds back aslo i filed a case with cfpb who tthe bank responded back with that i need to contact thye merchant when i had the leeter from the merchant at the begginig of this sittuation. this not only proves the funds are stolen but i have the response from the merchant as well and witness from wells fargo who heard, mmy debit transactions prooving debit theft .i would like to file paper work for the stolen funds .aslo it was said to be an energy company who witnessed on my behalf with a letter how ever the phone number on file did not match the buisness listed aslo agtyer phone call today XX/XX/2019 that there was no n umber listed proven that the information has been altered and after so many run arrounds i noticed this through alot of phone calls with wells fargo and i know the phone calls are recorded

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 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX - I was contacted on my cell phone by XXXX XXXX with Bryant Hodge and associates. He indicated that I owed a debt XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00}. I asked him if he would email me the details, I would then review them and get back to him. 

He sent me 3 different collection letters via email. One that was indeed XXXX XXXX XXXX in the amount of {$330.00}, another for XXXX XXXX XXXX XXXX in the amount of {$960.00} and the third for XXXX XXXX XXXX for {$510.00}. In looking at all three of these - they are addressed to a XXXX XXXX. My last name is XXXX and has never been XXXX. However, my daughter did have a stay at XXXX XXXX 6 years prior - so I investigated that debt. I found record in my credit file that I paid that debt to another collection agency ( XXXX XXXX XXXX ) in  XXXX, XXXX. It is now being reported as paid and closed on my credit report. 

I followed up with XXXX XXXX on XX/XX/XXXX with an email explaining XXXX XXXX XXXX debt was paid and the other two didn't belong to me citing wrong last name. I never heard from XXXX XXXX again. 

In XXXX, I started receiving phone calls from XXXX XXXX from the same company, Bryant Hodge and  XXXX. I contacted XXXX XXXX back and told him the same story above and that I closed this situation with XXXX XXXX. I asked him for a mailing address and I sent him the information I provided to XXXX XXXX along with a separate cover letter addressed to XXXX XXXX and I sent this RETURN RECEIPT CERTIFIED. I received the green postcard back signed by an agent dated XX/XX/XXXX. I never heard from XXXX XXXX again. 

In late XXXX, I started receiving phone calls from a XXXX XXXX - again from Bryant Hodge and associates. His messages were firm that " we had an arrangement set up and I'm surprised I haven't heard from you by now '' I can assure you, I never made any arrangements with him or anyone in his office. I returned his call to receive his voicemail and I told him we did not have an arrangement, I don't owe the debt, the last name is wrong and I've told two of his colleagues the same information and that he should not contact me again. Of course, I continued to receive messages from XXXX XXXX with the same message. Obviously, he did not listen to my message or chose to ignore the information so I decided to send him the email/information that I sent his other two colleagues, sending to both him directly and to the " support '' mailbox for the agency. I have not heard from XXXX XXXX since. 

However, this company seems to rotate their files to different agents about every 4 weeks. I am sure this is not the last time I will hear from this company so I am filing this complaint. All documentation is attached.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-02 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:
Someone has opened up an account in my name with XXXX. I have continuously disputed this account and have spoken with several reps at XXXX. I was told by the XXXX reps to dispute the account with the collection bureaus, I have done everything asked of me, however they have done nothing to resolve this issue. I have sent in a Police Report and an FTC report and still nothing has changed.

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 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Received a collection/charge off on my credit report by this company. Have tried numerous times to dispute with all credit bureaus to no prevail. Have contacted collection agency to validate debt and have gotten the runaround demanding that I pay them. Have been harassed with phone calls and countless letters. Not once was I provided evidence authenticating the debt at question. Never received proof or validation that debt belongs to me. Have yet to see a single signature of mine validating that the debt in question belongs to me. My credit score has dropped over 100 points because of this incorrect collection/ attempt to collect false debt from me

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 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have a very high interest Capital One Card that also charges a membership fee. A few times I've tried to get the interest rate lowered and membership fee dropped ( my credit score is usually in the high 600 's - 700 range ), but was was told I'd have to apply for another Capital One card to receive more favorable terms. 

So, finally about a month or so back I decided to apply for another Capital One card that had 0 % XXXXnterest for a year and no membership fee, and I was approved. 

A bit after receiving the new card in the mail, I called Capital One to activate the card. At that time I told the Capital One Rep that I had gotten this card for the sole purpose of transferring the balance from the high interest Capital One Quicksilver card to the new 0 % interest Capital One Savor card. The Rep said she could take care of that, and would you like to do that today? I said no, that I had to get back to work, but I'd call back soon to take care of it. 

Yesterday on XX/XX/2019, I called Capital One to do just that, but this Rep told me I couldn't and that I was given the wrong information from the previous Rep. I said, something needed to be done since I was given false information. And to add insult to injury, I used the higher rate card on an expensive car repair and other purchases and would have used the Capital Savor Card with 0 % interest had I know this information. I was then told that nothing could be done, but that my interest rate on the Capital One Quicksilver card could be lowered from 21.5 % to 17.15 % LOL ( I just looked on the Capital One ap today and it's still at 21.5 % btw ). 

1. The way that Capital One operates, by forcing a consumer to apply for an additional card to receive a lower interest rate and no membership fee is predatory and penalizes the borrower by lowering their credit score and forcing them to increase their amount of available credit. 

2. To make matters worse, the company does not honor promises made by their own employees, which takes their predatory nature to an even higher level.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Timeline : XX/XX/19 payment of {$160.00} made in by mistake to an old XXXX card XX/XX/19 Three way call made to XXXX, spoke with XXXX, who advised to fax tracking details to XXXX. Advised to allow 7 to 10 days. Fax sent requesting refund. 

XX/XX/19 Three way call made to XXXX, spoke with Manager XXXX, who advised all payment research for close XXXX account goes through Citibank and to call XXXX XX/XX/19 Called Citibank at XXXX, spoke to XXXX who confirmed Citibank does handle payment research for closed XXXX accounts, and requesting proof tracking details are faxed to XXXX ATTN : IRU payment investigations. Fax sent. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, who could not confirm if documents were received although confirmed they were faxed to the right fax #. XXXX will escalate to management and asked to allow 7 to 10 days. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, whose management refused to take the call after multiple attempts. Faxed payment tracking details again.

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 2019-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Back in XX/XX/XXXX I closed my accounts with Wells Fargo completely. I have an email from XX/XX/XXXX stating my account ending in # XXXX had been closed effective XX/XX/XXXX. I now keep getting reoccurring emails about the balance of my account ending in # XXXX. I never had an account ending in # XXXX ONLY # XXXX. 

I never gave permission to keep an account or open a new account. I have closed all my accounts with Wells Fargo in person with local Wells Fargo branch. 

I have every email up to the present month of statements for the new account and I can provide proof of them if needed.

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 2019-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On Wed XX/XX/XXXX, XXXX XXXX initiated a payment from his Citizens Bank to XXXX XXXX 's XXXX Checking Account via XXXX. The transaction was an on-line transaction ( not mobile ). The account number for the XXXX Account was missing ONE DIGIT. As soon as we realized the problem, we called Citizens and were informed ( twice ) to NOT worry, the transaction would fall to a bad account and never complete. After a few days without getting the $ back, we contacted XXXX XXXX  and realized the bad account number that was entered on-line was actually a valid personal checking account number. 

At first XXXX offered to assist us but then called informing us that there was absolutely nothing they could do. XXXX would not re-route or transfer the money to the original or correct account! XXXX would not reach out to the account holder in any way. They did call the bank branch in Michigan, but the branch would also NOT agree to contact the inaccurate account holder. XXXX claims they were bound by privacy policy and could not let the account holder know the money was incorrectly deposited into their account. Can you imagine if XXXX had made this mistake into your account!?!? 

There was no name validation or any other validation of any kind. 

We also contacted Citizens Bank multiple times. Citizens Bank would not even try to assist us like XXXX did. 

Citizens and XXXX XXXX BOTH offered a manager to call us back but neither one ever followed up with the promised phone call!!!! 

XXXX XXXX Bad Account ( missing the XXXX ' ) AN XXXX RN XXXX XXXX XXXX Good Account AN XXXX RN XXXX Citizens AN XXXX RN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried numerous time to have two hard inquiries not authorized. One is with Capital One credit card offer sent in the mail. I already have a Capital One credit card but they offered an upgrade that I did not get They pulled my report without me being told. This was XX/XX/XXXX. 
The second involves XXXX XXXX pulling report when their online add for mortgage rates said " no need to pull credit ". This was XX/XX/XXXX. 
After many phone calls to credit reporting companies [ you can't dispute online ] they told me to contact companies directly Guess what?, most popular response was " I will have to transfer you " with no results. If by chance I did not see something in the fine print, I can not even get a response to that. 
After more than 6 hours today XX/XX/XXXX I have had it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I have been trying to reach XXXX XXXX XXXX to settle a dispute regarding end of lease dispostion fees. I paid entire lease terms on time for 3 years tco insure my credit would remain in good standing despire ongoing issues with leased car.. I now receive letter and phone calls stating they are going to put dispostion fee in collections.. The call i received on XX/XX/XXXX regarding this did not state the persons name whom to call back only a number that she rattled off so quickly i was unable to understand it. that number was XXXX-XXXX-XXXX? and extension XXXX? I have tried several times to call with no sucess.. I have tried many number. .. the letter states to log on to account for info. .. My account is no longer active a i fulfilled my .3 year term with XXXX XXXX..I a had to file a civil suit against dealership to settle matter of faulty tires after spending XXXX dollar on new tires for car with only XXXX miles on it as XXXX would not take any reponsibility.. I did not receive this bill until XXXX and lease car was returned XX/XX/XXXX in perfect condition.. way under alotted miles.. I have been trying to reach XXXX XXXX  since receiving this letter and am on hold with no resolve.. Any concerns in past were not addressed and now they are going to ruin my very good credit due to there not ever addressing issues.. I just want this behind me. The entire ordeal has been extremely stressful and has taken a great toll on my health..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Services Corporation, LLC
State: TX

Complaint narrative:
I cancelled a loan in XX/XX/XXXX. I am to receive a full refund of {$5100.00} of money that I paid in to them. I have been going back and forth with this company and they say theyve mailed a check but now their corporate office is not sure if the check is mailed or not. They keep telling me to wait 7-10 business days and call back if I havent received. I was recently told it was mailed on XXXX and as I called today XXXX and spoken to a representative theyve asked me to wait another 7-10 business days and to call them again. This is money owed to me and its getting increasingly frustrating as I get disconnected multiple times only to reach someone who is not entirely sure as to whats going on. The companys name is Health Credit Services. I am reaching out here in hopes that there might be a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 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: SC

Complaint narrative:
Please correct my TransUnion Credit and all credit reports including XXXX and XXXX  to ONLY show address listed from the two required forms of documentation I have provided. These other addresses are incorrect and belong to someone else. Please advise ASAP! Thx! 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