vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/2019 Certify Mail XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX. 
Washington, D.C. XXXX Taskforce on Federal Consumer Financial Law XXXX XXXX  XXXX XXXX. 
Washington, D.C. XXXX Cc : XXXX  XXXX  XXXX  XXXX SELECT PORTFOLIO SERVING INC. 

This complaint is brought to address CFPB misconduct and obstruction handling the following complaint against XXXX XXXX  XXXX XXXX to help the company to avoid disclosure information that is needed to resolve the matter in the complaint. The following complaint were filed to CFPB : Complaint ID # XXXX dated XX/XX/2019 Complaint ID # XXXX dated XX/XX/2019 Those complaints Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) against XXXX XXXX, the company has refused to respond, instead, according CFPB employee had said that XXXX XXXX  responded under ground, leaving no trace of any written that the account do not belong to them. ( See Complaint ID # XXXX and XXXX ). Company responded the complaint does not belong to them on XX/XX/2019 Company responded the complaint does not belong to them on XX/XX/2019 XXXX XXXX, also, have failed to respond the previous complaint. We have notice that CFPB maliciously forward the complaint to SELECT PORTFOLIO SERVICING ( SPS ). We do not need any answer from SPS. 

We just a request a formal letter from XXXX XXXX  saying what they saying underground, that the account do not belong to them, period. 

We request an investigation regarding this misconduct, to allow this matter of this account to be solved amicable and timely. 

Find the attached Complaints. 

Respectfully submitted, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Fl 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 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have changed my contact information and Discover card is calling my mother’s telephone number at least three times an hour everyday. They are harassing her. I have submitted contact information but they keep harassing her. I have not lived with my mother in 23 years. They have been doing this since XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XX/XX/2019 this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX   as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX ( Sunday evening ) I noticed several charges to XXXX when I logged into my PayPal account. Neither my wife nor I had ordered anything from that company, so I then looked back over all the charges for the last few months. I found 38 charges in XX/XX/XXXX. and XX/XX/XXXX. to either XXXX or XXXX XXXX ( 1 to XXXX ) that we had not made. I also found 2 other curious facts. 22 of the charges had been refunded, usually days later and not in the order they were charged. Some transactions had 2 or 3 pairs of debit/refunds with the exact amount ( ex. 3 pairs of {$22.00} ). Also, all the charges were made with our PayPal Debit Card, not the standard PayPal process which requires a password every time to initiate. The reason I had not noticed these transactions before is because I normally log into PayPal only to check my balance. Every normal PayPal transaction is followed by an email from PayPal to me indicating the transaction. Therefore, I look at the emails carefully to verify that I recognize every charge. Since opening this account in XX/XX/XXXX, I have never seen any anomalies. PayPal did not email me about any of these invalid 38 debits. Apparently, by default, they do not email Debit Card transactions, but I was not aware of that since we had only used the Debit Card a total of 8 times since receiving the card. The last usage was on XX/XX/XXXX. I don't like using debit cards and neither one of us has used it since. I immediately contacted PayPal and disputed these transactions. On XX/XX/XXXX ( Tuesday morning ) I received an email from PayPal rejecting 37 of the claims. They accepted the one from XXXX which was for XXXX cents. On XX/XX/XXXX in the afternoon ( about XXXX ), I talked with their Debit Card department and gave all of the above information to the service person who said the case  would be reviewed. A few hours later the same day I received a second denial of the disputed transactions. In addition, they also sent me an email accusing me of violating PayPal 's policies and threatening to close my account. In effect, they were saying that I was trying to defraud them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Starting in XX/XX/XXXX HomeQ sold our mortgage to PHH. Our mortgage payment was on auto-pay to HomeQ and were current in all payments. We were never notified that our mortgage was sold to PHH. As a result we continued auto-pay to HomeQ in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PHH is claiming that we are four months behind in payments, we started making payments to PHH in XX/XX/XXXX and we are continuing to do that on an auto-pay basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
Our mortgage company Flagstar did not pay the correct amount of taxes for XX/XX/XXXX/XX/XX/2019 and now our city (XXXX XXXX, NJ) has sent us two letters, the first dated XXXX XXXX stating that our home will be sold in a tax sale if we do not pay the delinquent taxes by XX/XX/XXXX. We have been trying to correct this mistake with our mortgage company Flagstar since XX/XX/XXXX however they have not done anything to find out why this happened, who is responsible for the late fees and how we can get this paid so that we do not lose our house.  Every time we call them they tell us to resend the documents and that they don’t know why nothing has happened yet and that they don’t know when it will be resolved.

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 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: SC

Complaint narrative:
I needed ADA compliant mats for a mini golf business I was trying to open with my husband. 
I purchased mats advertised as ADA compliant with my Discover card from http : XXXX We installed per their instructions The mats were declared not ADA compliant by the city I live in and we were not permitted to open our business. We were unable to open our business because we had no money left to purchase new mats. We had to sell everything we had purchased for an enormous loss. 
We sent the mats back ( XXXX  organized shipment to and from our store ). We asked for a refund. XXXX said they do not give refunds and we should have checked with this city before purchasing. They offered a 50 % restocking fee We disputed the charge with Discover. Discover said the charge was valid because we had signed approving the charge, despite the fact that what we were told we were purchasing ( ADA compliant mats ) is NOT what we received. 
Per my Discover credit card agreement, I tried to start arbitrage, but Discover refused to pay the filing fees, despite the fact that agreement says they will pay. 
XXXX has the mats and the money ( they said the mats were damaged in transit, but they arranged transit -- so they lowered the offered refund to {$800.00}, but never paid it and stopped replying to e-mails inquiring where the refund was ), XXXX collected their fees, and we have nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I never had a loan with this school and for two years I have been attempting to rectify this problem and as of recently XX/XX/XXXX they are again ignoring my efforts. 

The specific dates are XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I sent correspondence from myself and an attorney has sent correspondence all have been left unanswered. As a result Im being garnished and I am paying out of pocket for my current education because I am no longer eligible for student loan financial aid because of the fraud. 

This is causing financial harm including higher interest rates for my care and not being eligibility to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I do not owe this debt I request all of the following information be provided to me by mail: Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. Otherwise I asked that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad

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 2019-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello! I have a Helzburg Diamonds  Capital One Credit Card. I get automatic payments withdrawn every XXXX of the month of {$86.00}. I was called by Capital one stating that I had a past due balance of {$300.00}. I was taken by having a past due balance so I asked them is it possible for me to have a past due balance while monthly payments are being made consistently. Not aware of a past due balance until XX/XX/2019. I immediately went to my account online and made a payment of the {$300.00}, so there was no issues with my account. Which now means I made the {$86.00} payment on the XXXX of XXXX and another {$300.00} on Monday the XXXX of XXXX. 3 days later I get a notice from my credit report that I have an account in bad standing, when the customer service rep told me that it would not be reported as delinquent if the {$300.00} was paid. I was transferred to a supervisor, who was very rude and seemed in a rush to get me off the phone. I shortly after ended the call and started to write this complaint that you are now reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: OR

Complaint narrative:
On XX/XX/2019 I bought a XXXX XXXX, by NetSpend prepaid debit card and loaded {$50.00} dollars on it. As of today XX/XX/2019 I can not use the card. Today I was told that I can not withdraw any cash I could only make in store purchases with it. I also was told I can not transfer money from this card to another.

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 2019-12-05 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: AK

Complaint narrative:
Equifax; XXXX  and XXXX  are reporting duplicate entries for a collection/charge-off in the amount of $XXXX   on the the XXXX XXXX – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On       this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX   and additionally signed up for credit monitoring services with the credit bureaus and have reached out to Innovis as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.

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 non-monetary relief
Consumer complaint received 2019-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX #XXXX is reporting an account to my credit report that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it should not be on my credit report. I would like this removed immediately.

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 2019-12-05 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX #XXXX is reporting an account to my credit report that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it should not be on my credit report. I would like this removed immediately.

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 2019-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX, XXXX, I leased a XXXX XXXX  through XXXX XXXX XXXX /JP Chase. In XXXX of this year, I moved from XXXX, XXXX to XXXX, XXXX. To get XXXX  license plates, I need an XXXX  title. However, XXXX  does not issue titles when there is a loan on the car. XXXX   provides a work-around with form that I fill out and the Clerk of the Courts in XXXX County XXXX  fills out and then they send it to XXXX XXXX XXXX/ JP Chase to be signed and notarized. They send it to the XXXX  Titles and Registration Bureau. XXXX XXXX XXXX could either fax it to the above mentioned Bureau or to the XXXX  Department of Revenue. XXXX   Clerk of Courts in XXXX County XXXX has faxed this completed form twice to XXXX XXXX XXXX at fax numbers supplied me by them ( XX/XX/XXXX and XX/XX/XXXX and received receipts that the faxes were received. ) However as of this date of XX/XX/XXXX, XXXX XXXX XXXX/ JP Chase has not signed and notarized the form and sent it to the XXXX   Titles and Registration Bureau . So, I am still unable to purchase XXXX  license plates. As a reference, XXXX XXXX filled out the form, sent it to XXXX  who then made a title and sent it to XXXX  in less than 5 days on another car I own and they financed. Efforts to follow up with XXXX XXXX XXXX have been to no avail. They say they did not receive the form we sent them twice or that it is " in process. '' At this point, there is nothing I can do since they will not cooperate with the XXXX   process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XXXX; XXXX  and Transunion are reporting duplicate entries for a collection/charge-off in the amount of XXXX on the the XXXX XXXX  – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.

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 2019-12-05 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
XXXX; Experian and XXXX  are reporting duplicate entries for a collection/charge-off in the amount of XXXX on the the XXXX XXXX – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.

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 2019-12-05 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hi portfolio recovery XXXX  is reporting on an account from XXXX XXXX XXXX XXXX Remakes state furnisher reporting remaining trade account please explain what this is when it was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I sent them documents and a police report of identity theft and they refused to follow the law and delete the fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Amazon Store Credit Card offered & Services through Synchrony Bank, miss calculated the Statement balance especially when there are transactions involving 0 % APR of equal Pay spread over multiple months. Consumers who want to be punctual in their payments opt for Autopay [ Statement Balance ] are miss-lead in this very shady practice. I have called Synchrony bank customer support and complained about the promotional offer I choose was miscalculated. Transaction in questions was made on XX/XX/2019 for an amount to {$2200.00}, but this amount was included in the Statement balance [ # XXXX ] which was paid in full [ AutoPay ] on XX/XX/2019. Ideally, when there are promotional offer transactions in a given statement period, the statement balance should correctly represent, in my case [ ( XXXX - XXXX ) + ( XXXX ) = {$470.00}. 

Customer Service Manager I spoke with : Name - XXXX Employee ID - XXXX Bank - Synchrony 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