vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was told today, XX/XX/2019 by my employer XXXX XXXX, phone number XXXX, case # XXXX has been calling the the chairpersons office at my work to get permission to have me served while I am working. I XXXX at a XXXX college. I called the number and spoke to a 'XXXX XXXX ''. He is calling about a debt that is over 10 years old. I asked him to stop calling my work. He then called the chairperson two more times after we spoke and after I asked him to stop these calls at my place of employment. I have not received any mail regarding this old debt or received any calls. This harassment is affecting my job performance and personal reputation from my employer of XXXX years. I need this to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX # XXXX, and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. 
Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX and XXXX XXXX are not entitled to enforce a claim against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Owens Loan servicing, LLC keeps putting stickers on my door in the middle of the night harassing me. Some one call me trying to get me to sell them the house etc. I need Owens Loan servicing, LLC to stop sticking stickers all over my door and and harassing me. There nothing but a scam and committing fraud. I have also file a complaint with US Attorney office in regards to Owens Loan Servicing, LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
One problem I've had is that I transferred my loan to PSLF in XXXX. At that time I had worked XXXX at two different XXXX colleges since the winter of XXXX, so about 4 years worth of paying on my loans. 
I had my employment certified from both institutions. I called XXXX and they agreed I was eligible for the program. My loans were added and I began paying. It is now fall of XXXX, my payments from the span of XXXX ( my initial hire date ) to XXXX ( when I entered PSLF ) have still not been processed/calculated toward my 120 total payments. 
I called and spoke to them several times over the last few years, including today. I was told that waiting these are called partially processed payments, and that taking two years for the processor is normal. I asked if I could speak to the processor, no. Can I talk to anyone about this that can set some expectations as to when this will move from partially processed to processed, no. Is there any information missing, no. 
Can I know when this will done, no. 
And so on. 
I can't get them to calculate my payments, making it difficult to know what's remaining. Also, I am a salary employee and I take out XXXX ( income based repayments ) but my payments year-to-year have often fluctuated by XXXX of dollars, even with my salary changing maybe 3 to 5 % yearly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I contacted USAA around the XX/XX/2019 to inquire is a Chapter XXXX ( CXXXX ) bankruptcy would impact my secured VISA. I was told it wouldn't, which was a lie. 

My CXXXX was filed on XX/XX/2019 and by XX/XX/2019, USAA had closed my secured VISA account with no notification and they did not use the secured funds to pay off the card. They changed the card to a charge-off status and refused to release the security funds to pay the card off, as I'd requested. They told me to have my lawyer contact them, which he did, twice. They ignored my lawyer 's requests to close the CD and pay off the card. I felt like I was lied to again. 

I then contacted USAA again on XX/XX/2019 to inquire about this same issue and reached a CS Rep that indicated I was misinformed during my previous calls. She put in a claim to have the security funds released to pay off the card and would send me the balance. That claim was denied but no-one notified me. 

I then contacted USAA ( again ) on XX/XX/2019 and went through ~six reps in almost 1.5 hours to get no-where. The call ended with a bankruptcy dept rep named XXXX ( emp # XXXX ) and her manager, XXXX. They both lied again and said the funds would not be released until the bankruptcy was discharged ( which made no sense to me since the card would be paid off so there was nothing for them to use *MY* money for if the card is already paid in full ). I then contacted my lawyer and asked for his assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
have been a Nordstrom customer for more than 10 years and a Nordstrom credit card holder since 2015 this past week they restricted my account and asked me to send a copy of my Drivers License, SS #, Utility Bill which I complied, Today I called Nordstrom Card Services and talked to a really rude lady to tell me whoever reviewed my documents can not verify them this is something I have never heard before at the beginning of this month I applied for the XXXX Card and they asked me to scan my license and verified on the spot how a person can not do the verification with the documents on hand? 

This has been one of the most frustrating experiences I have ever had with a credit card account and they are really rude and not even attempting to help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: NY

Complaint narrative:
On XXXX of XXXX, I closed on my home. During the closing the figures were not correct according to the closing attorney. She advised me to continue with the closing, pay the monthly amount plus additional to complete the total amount that the mortgage was supposed to be. In doing so for several months, and also contacting Plaza Home Mortgage on several occasions. I was informed by a few representatives to cease sending in additional payments as my monthly obligation was enough and correct. Fast forward a year a some months later I received a letter stating that my monthly mortgage would be increasing to XXXX monthly. I was not in a financial position to pay this huge increase, so i was advised to apply for a loan modification. After applying for a second time ( since the first time I was denied because the mortgage company said I had to be behind in order to get approved ), I was approved and was given a 90 day trial to pay The amount required. After the 90 days I received a final mortgage approval packet to have signed/dated/notarized after reading. I took care of getting that done and was required to send it back certified mail. After sending back the signed documents I eventually received the packet back. No where in this packet or in HUDs packet was this undisclosed amount. I hired an attorney in which it took the attorney two years exactly to find this undisclosed lien/second loan. Also in finding this amount with a third party of HUD were my supposed signatures on a promissory note that I have never seen until Friday XX/XX/XXXX. I spoke with a second attorney whom had thoroughly explained where this undisclosed amount have possibly come from, but the attorneys also agreed that something was missing from my documents ( The disclosures of what I was supposed to be financially responsible for due to the loan modification ). I was unable to refinance in XXXX, which is when I found out about this undisclosed amount of money that was being held against my property. The mortgage company and or third party XXXX XXXX XXXX failed to include in my documents the promissory note and the second packet of which this undisclosed lien Ian being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No 95-cv-01743 ). 

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the 3 CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on EQUIFAX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX**** allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I paid off my auto loan with TD AutoFinance in XX/XX/2019. They did not send the title documents then. I contacted them on XX/XX/2019 to get the title documents. They told me that they would overnight the title documents to me and that I should have them by XX/XX/2019. On XX/XX/2019 I contacted them again to find out where the documents were. They told me that XXXX wouldn't deliver to my address. Note, XXXX regularly delivers packages to my address. They did not contact me and did not deliver my documents. I called again on XX/XX/2019, they still had not mailed or used XXXX to deliver my documents. They did not know how long it would take to send my documents. 

They told me that they were very busy and my information was " in line ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
The financial institution closed the account based on an assumption that I can not satisfy any charges I will potentially incur on their Credit card.

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 2019-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: NJ

Complaint narrative:
Hello, I mailed my first mortgage check to XXXX on XX/XX/XXXX for {$1800.00}. XXXX XXXX  received it and signed for it on XX/XX/XXXX. No payments were applied we started receiving calls regarding missing payments. I called the escalation team due to agents were confused. Manager stated they did not receive check if i may send them proof of check and proof that it was delivered to correct address and signed for. I faxed over all information needed to resolve this issue as soon as possible. Manager stated he will call me back. No call received i followed up, they have not yet found my check. Manager stated please give them more time, i have been very patient with this company regarding the check they have lost. I followed up again due to no call was made, escalation manager stated they found check but was unsure as of why cash management team has not applied funds to my loan. Was asked again to provide more time manager emailed cash management department inquiring my check. Two weeks past i have been following up due to now im receiving calls and mail that my payment is past due etc. I speak to manager again they stated cash management has yet to respond to his email and he apologize for bad experience we are having and miscommunication since day one. He stated he was going on vacation and will follow up with me once hes back. He returns i receive no call i have to call again, he stated he has to involve his supervisor since he has not heard anything back from cash management, at this point its already XX/XX/2019 and my check is still not found and no solutions at all. Manager called me stating that he has heard back from team and they don't know where my check is that check did not have loan number so someone had to send it back XX/XX/XXXX and never did. My main concern is where is my check this is a huge inconvenience. This is the worst first home experience i have ever received. XXXX XXXX  now wants me to attempt to place stop payment with my financial institution due to they lost the check .Which will not benefit me my accounts is still past due for a check they have lost and bank will not return funds for 90 days. Please help me resolve this and that this does not happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: GA

Complaint narrative:
A thick envelope was sent to my residence from Netspend. The envelope had my residences address on it but was addressed to an unknown person. With identity theft on the rise, I assumed that some unknown person was using my address for fraudulent purposes. So, I contacted Netspend to inquire about the envelope sent to my home. After explaining to the customer service rep about the situation, I was asked for an account number. So I then explained that the envelope was addressed to an unknown person but had my address on it and that I did not own a Netspend card or account. The rep advised that it was just an advertising scheme that they use for marketing purposes. I advised the rep that I no longer wished to receive any advertising from Netspend and to take my address from their mailing list. Also, that if I received anything from them thereafter that I would pursue legal options. The rep asked for my address and put me on hold. After returning to the line, he asked me for the card number and account number that was enclosed in the envelope. I told the rep that the envelope was not addressed to me and I was not entitled to open it as it is a federal crime to open mail that doesnt belong to you. He stated that he could not take me from their mailing list if I did not open the envelope and give him the account number. After refusing to open the mail, he disconnected the line.

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 2019-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX a company I did work for paid me my wages through PayPal to which I then initiated a bank transfer which was advertised to take 24 hours. On XX/XX/XXXX I didn't see the money in my bank. I called my bank to see if it was pending, and they informed me that nothing was in the " warehouse '' pending to be deposited into my account. I called PayPal and was told it could take upwards of 3-5 business days, even though it doesn't say as such on their website. 

I called again on XX/XX/XXXX after still not having received my money and was told they would initiate a trace to see where the money went, and that they could start that 7 business days after the money was supposed to have been deposited. I called back on the XXXX of XXXX ( 7 business days later ) and was told I would have to wait another day to initiate the trace. I called back on the XXXX and was told the trace could take anywhere from 24-72 hours. 

I called back the XXXX, still nothing. Called back the XXXX, still nothing. Called back the XXXX, and still nothing. Later in the day on the XXXX I called and told them I wanted an answer, to which I was told that the trace showed that the money was in my bank and there was nothing more they could do. Now, each time I called PayPal- I called my bank to see if anything had dropped. So I was quite familiar with everybody on my banks end, and there was nothing they could do because the money hadn't even made it to their " warehouse '' ( aka Automated Clearing House ). 

I then conferenced in my bank to tell the supervisor at Paypal, XXXX, that the money isn't there. He asked to speak to a manager, who also told him that the money wasn't there. He then asked to speak to their ACH department, to which he was told he couldn't. XXXX then informed me that since the money was gone from PayPal that he couldn't do anything and it wasn't PayPal 's problem anymore. He then told me, after 3 hours of being on the phone, that he would initiate a withdraw trace to get my money back, which could take 3-5 business days. 

It has now been 3 of said 5 days, and I called for a status update ( since they don't update me themselves ) and was told I would have to wait the full 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have contacted XXXX XXXX  three times regarding the remaining escrow balance for a paid off mortgage loan. I have sent three emails via their " Contact Us '' link within my mortgage servicing portal. The loan was paid in full on XX/XX/2019. My inquiries have been to understand when the funds sitting in my escrow ( approximately {$6000.00} ) will be released to me as required. 

On XX/XX/2019 XXXX ( Employee ID XXXX ) indicated to me that it takes 15 calendar days to issue payment, and an additional 7-10 business days to receive the check. I explained to XXXX that it has been 19 days since payoff and asked if a check has been issued. She explained the funds were issued on XX/XX/XXXX, however could not explain why the funds were still showing in my escrow account. Additionally, when I asked for the check number and amount, she was unable to provide the check number or confirm the check was actually issued. Further, when requesting a supervisor twice, I was told they were in a meeting ( first time ), or the wait was going to be 45 minutes ( second request to speak with a supervisor ), indicating they did not want to escalate my concern. 

My funds should be receiving interest for any delays in payment and I would like to know why the company refuses to respond to my reasonable inquiries of obtaining funds owed to me since XX/XX/XXXX in the amount of {$5900.00}. 

My email inquiries include : # XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been trying to ask them to lower the outrages monthly loan amount they expect me to be able to pay. 
The interest on this loan is SO high I will never be able to pay it back! 
An original loan of {$10000.00} I now owe {$50000.00} or more ... 
Ive never been able to pay the CRAZY monthly amounts they have asked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2019 I sent Equifax a method of verification letter for explanation of what information they obtained to verify accounts on my credit report. However they failed to respond to my request

Company response to consumer: Closed with explanation