vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I would like to file a formal complaint about the way I am being treated by Portfolio Recovery Systems. I am also requesting any assistance you can render in resolving a problem I am having with them. <P/>Several months back I pulled a copy of my credit report and I found a collection account being reported on all three credit bureaus that is not mine. The original creditor is XXXX XXXX and it is now being reported by Portfolio Recovery Associates under account number XXXX. I called Portfolio Associates and spoke to them explain that this debt is not mine. I have never had any XXXX XXXX account at all and I been monitoring my credit monthly for years. I asked them to provide me with any documentation they had linking this account to me. I received no response. I contacted Portfolio on at least six other occasions requesting the same information. Each time I employee for Portfolio became combative and belligerent telling me just to pay the bill and stop asking for any proof the debt was mine. I never once received anything from Portfolio that even attempted to prove to me that the debt that they are reporting belongs to me. InXX/XX/XXXX of 2017 and with the advice of a credit expert, I began taking a different approach. I sent another certified letter to Portfolio Recovery requesting verification of their incorrectly reported debt as per statute in the FDCPA. I have never received a reply to that certified letter. I am enclosing that certified as well as the postal receipt of delivery. At this point I do not know what to do. If I send certified letters requesting a debt verification, as per the FDCPA, they get ignored. If I call Portfolio and attempt to ask for a debt validation, I get screamed at and get told to pay the bill without any proof its mine. I desperately need help resolving this matter. I have never had a XXXX XXXX account. The account that Portfolio Recovery is reporting on my credit is not mine. I can not get Portfolio to produce any written proof showing this XXXX XXXX account was set up by me. I can not even get them to prove that they even have the right to collect this alleged account regardless of who it belongs to. I can not get XXXX  to remove the report from my credit file because they claim they dont need any proof to report an item as long as the reporting agency claims that it is accurate. Apparently, Portfolio doesnt feel they can be held responsible and XXXX doesnt feel they can be held responsible. I need this item removed from my credit and I want the pattern of deception being perpetrated by Portfolio Recovery and XXXX stopped so more peoples lives are not damaged by their actions. Thank you for your anticipated assistance in this matter. I look forward to your response Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: ME

Complaint narrative:
I had a modification with Flagstar Bank in XX/XX/XXXXwith my then Husband, in XXXX we were divorced and I applied for another modification on my own. I went to court and Flagstar took forever missing documents and everything else. My house almost foreclosed and 2 weeks after court they called me at work and said they could help. For the beginning I said I need my ex-husband off of the modification and they said not a problem. I signed all the documents. I had lots of questions when I got the paper work and no one would call me back or answer my emails. The modification paperwork came in and The breakdown of my trail payments had myself and my ex-husband. The modification agreement has us as a husband and wife with me signing as the borrower. My ex deeded the land to me because Flagstar asked that of him. They also had a letter from my ex saying he has n't given any money towards the mortgage since XXXX. New gave me a new principal balance then added on a XXXX promissory note in my name only as the borrower. With the already new principal balance of XXXX. So I went from a current unpaid balance of XXXX to XXXX + XXXX = XXXX. I am so upside down on this modification that I ca n't do anything and to top it off they only asked for my income my ex was not involved and Flagstar knew he needed to come off the note from XXXX. This paper work is so screwed up and they wo n't do anything for me. Can someone help or tell me what to do. My name must have come up for the class action lawsuit because I received another check this past weekend. PLEASE HELP ME OR SHOW ME THE WAY!!!

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 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On X/XX/17 I contacted the CEO of USAA Bank, XXXX XXXX, via email in regards to an account reporting on XXXX XXXX. Two days later I received a phone call from someone in his office in regards to the email in which we discussed what I could do to clear the issue as well as have the information updated on my reports with XXXX XXXX. I was notified that upon receipt and deposit of the overdrafts an immediate notification and update of remarks would be done with XXXX XXXX XXXX. On XXXX another email was sent after I contacted USAA checking account department to see if my payments were received to find out not only were they received but they were also deposited and cleared on XXXX and no notification was sent or was on record to be sent to me for my records so it was just good that I called. So upon the rep sending me receipts I took it upon myself to submit them to XXXX XXXX XXXX who in turn said they would follow up with USAA because nothing was still updated. I am well aware that the record remains for 5 years but USAA stated the remarks could be updated but have yet to do so, I am stating this so that it is known that I am aware of this part. Another email was sent on XXXX, as well as today XXXX still with no response. The reps for USAA are unable to assist any further besides to tell me it will be updated. XXXX XXXX can only tell me they have to wait on USAA. I 've spoken to others that are or have gone through this as well and they are experiencing the same issues of no response. <P/><P/>When I spoke to XXXX XXXX XXXX multiple times on the XXXX the first rep I spoke to stated that the receipts would be uploaded and updated and that in regards to my frozen accounts with my current bank that I give them a call to see if they would accept a fax showing the records were taken care of or if they required removal. I hung up with her and called my bank and they stated a fax would be fine. So I called XXXX XXXX back and of course getting a new rep that said it did not work that way they would update but had to reinvestigate with USAA to make sure the payments were indeed correct and how to update. I called USAA and they told me the updates would go through immediately. So as you can see everyone was giving me the run around and different responses, and I have no access to my money because of the situation. I just want answers and an update to the remarks as I was told would happen.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On  XXXX / XXXX / 2017  I had my ba nk ( Santander Bank ) crea te a Cashiers Check in the amount of $   XXXX for   XXXX   XXXX  so I could invest towards retirement.  XXXX   XXXX  did not cash it because the because the bank put "  XXXX   XXXX  '' instead of "  XXXX   XXXX  ''.   XXXX   XXXX    XXXX   office in  XXXX   XXXX , California tried to send the check back on  XXXX   XXXX , but it was lost in the mail, and we have not received it back. We attempted to have our bank cancel the check and they said they are unable to do so until they have the original in hand. Our fear is that some malicious actor  may get a ho ld of it and attempt to cash it.

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 2017-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I made a simple request in mid  XXXX   XXXX  online -- using their link, a link specific to " change your payment date ''. I have made on time payments since  XXXX   XXXX  to American Education Service s ( AES ) , according to their website. These about {$160.00} payments were drawn on the  XXXX  of each month. I wanted to move the payments up in the month to better assess how much surplus my wife and I had each month to be able to make extra payments. I requested the  XXXX  of the month. I called a week later. They said nothing happens for 10 days. Then  XXXX   XXXX  I got a message that I failed to sign their form, which was not linked to the link described above. Ok, fine. Done, mailed it same day  XXXX   XXXX   XXXX . Sent an email last week  XXXX   XXXX   XXXX . Nothing. Pure delay tactic. To make it fair these servicing companies should be docked all the interest for their delay, otherwise what incentive do they have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow-up to a previous claim I made thru this site to JPM Chase regarding my mortgage loan # XXXX refinanced in XXXX. JPM Chase states that they indeed processed a HARP loan which was not stated originally. However, JPM Chase failed to adjust the loan rate to reflect the HARP rate at the time which was below 4 % not 5 % which is the rate I have been carrying on my loan. As stated previously, JPM Chase never disclosed to me that they were processing a HARP loan. It was only until after I read about this program years later that I enquired other lending institutions and then Chase themselves, if I could apply. I was told no but without further explanation. Also, last year, due to other issues I 'm dealing with that involve the ownership of mortgage notes, I questioned JPM associates about the ownership of my note. First they stated JPM did not sell its loans and confirmed that my note was with them. It was only until after I posted the claim thru the CFPB that JPM stated that it was with XXXX. I purchased my house in XX/XX/XXXXand my LTV was always positive. I had never defaulted on my loan nor I ever had higher debt than the equity on the house. I believe JPM incorrectly qualify me for a different loan because they had been incorrectly trying to charge me for a transaction on a credit card they never told me they had approved nor had sent me any card nor statements until months later. Their investigation department got involved and although I got the representative to effect a conference call with the vendor JPM was alluding they made the payment to, when the vendor was confirming that the account had been long paid off by XXXX, JPM associate cut me off from the call and never got back to me. A few months later after noticing that rates were lower, I applied to refinance my mortgage. However, Chase indicated that I did n't qualify for the posted rate. When I inquired why, they did n't provide much explanation but indicated that I could refinance it at 5 %. This was not much of a decrease from the existing rate at the time and in fact, the overall cost of the refinance turned out to me much higher than what I previously had. Only the monthly got lowered but the total debt increased tremendously, now I realize. This loan was not to my best interest. JPM Chase was quick to act on the refinance by sending me all docs via e-mail and getting a representative to my house to finalize the paperwork. At no time, did any party involved explained to me that I was signing for a HARP loan and what were the benefits or disadvantages. At the time, my job situation was not solid and any bit of reduction in expenses helped ; however, I see that JPM Chase only took advantage of the situation and did n't act to my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
On XX/XX/XXXX I attempted to make a monthly car payment on the companies website. I received an error message that the payment could not be processed and to try again. I did, and received a confirmation number. Two days later I reviewed my bank account and discovered TWO payments had been processed for the monthly payment of {$460.00}. I immediately contacted the company ( United Auto Credit ). I was advised that the rep would open a request to have the funds returned, and that it would take 10-15 days. She stated the error may have been caused because the payment was made as the date shifted from the XXXX to the XXXX during the transaction because it was late at night. I waited a week and called again. The rep then tells me I have to submit documentation showing the double payment and then wait and additional 10 to 15 days. She also advised me to speed up the process I could contact my bank and list the payment as unauthorized. I did this the next day and the funds were returned to my account. The next morning, however, my bank contacted me and advised me that the XXXX was again withdrawn o n XXXX and listed a an " untimely return ''. I again contacted UAC and was told that I still had to submit forms for the return and that it would be mailed out in check form once cash management signed of on it, but I had to hurry because they only send checks out on the XXXX and the XXXX of each month. I called again today on XXXX and there is no update, each time I call, I am told the person I need to speak with is unavailable. These funds were crucial to paying my bills and it has caused me great financial hardship trying to replace these funds. I have also included a copy of the email sent to the supervisor I was told was in charge of resolving this matter, I still have yet to receive any response.

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 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I need a security alert and freeze removed from my account and credit reports. I attempted to reach out to the credit bureaus and nothing was done. They refused to remove them 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 2017-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company is awaiting approval from thw bank for at leas t three week s now to open an 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 2017-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Tribal Lending Enterprise, Inc.
State: IL

Complaint narrative:
I received an email from Mountain Summit Financial about me being preapproved for a loan so I contacted them about getting a loan but at first they were trying to charge me way too much interest in the loan but then they agreed to a better price and I was supposed to be paying them two payments of XXXX. The first payment was due on XX/XX/2017 and the second payment was due on X/XX/2017, but today I was going to tell them they can just take the XXXX that is due on X/XX/2017. But, due to my surprise when I typed in their website publications popped up from the Better business Bureau and other government sites saying that Mountain Summit is not licensed to conduct payday loans or collect on them and that they are currently being investigated by the BBB. The Washington State Department of Financial Institutions urges consumers who have gotten payday loans from Mountain Summit Financial to contact the Federal Trade Commission to report identity theft because of the nature of the personal information that has been collected by this unlicensed company. Because according to them that have not right to issue payday loans or collect on them. So today on X/XX/2017 I contacted Mountain Summit Financial to ask them about these allegations and their current investigation and to get clarity on their situation because I currently have a loan with them and I do not know if my information is safe or if this loan is legal. However, they would not answer any of my questions and so I informed them that I would be contacting the BBB and the FTC to figure this out. In the case that they are not properly licensed or certified to conduct this type of business I want my loan to be forgiven and I want insurance that they will not use my information in any type of way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK
State: KY

Complaint narrative:
OnXX/XX/XXXXI applied for and was approved for a Discover Secured credit card. OnXX/XX/XXXX they electronically removed {$1000.00} from my savings account to secure the credit card and assured me I would have the credit card within two weeks. I never received the credit or any accompanying information that I should have received. Once it became obvious I was not going to receive I called and had them cancel that card and they did and said they were re-issuing another card on XX/XX/XXXXand I should have again within two weeks. Again, I did not receive this card or any other correspondence from Discover. After the appropriate time I called back and talked to XXXX who could not offer any solutions so she transferred me to her supervisor XXXX. All XXXX was willing to do was the same process that had failed twice before. I asked if we could overnight card so could be tracked but she refused. I had them cancel this card and asked that they return my {$1000.00} security deposit. As far as I know she closed account but said it would be two billing cycles before I would receive my deposit back but after discussing she agreed that since I had never received my cards she would expedite and I would have in ten days. I asked if could do electronically as they took it they way but she again refused. I tried calling the executive office consumer number several times to see if I could get help here but they never answer and never returned calls from messages I left on their machine. I called back next day to make sure that my deposit had indeed been expedited and I talked to XXXX in the ohio office who confirmed account had been closed but did not see that deposit had been expedite so after explaining all to her she went and talked to her supervisor and assured me would have in the ten days. As of todayXX/XX/XXXX I still do not have and when I called today and talked to XXXX in XXXX I was pretty just told I would have to wait more days. I would really like some help with this as no one seems to want to help me at any turn. I would like my security deposit returned ASAP. I did everything I was supposed to do on my end I even made sure it was not a postal issue that causing problem. Incidentally I get tons of email about my new account that I have never had wanting me to activate the card I never have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: OH

Complaint narrative:
I submitted an application to XXXX who is my current loan provider for my student loans. The application was for public loan forgiveness so XXXX fowarded the application to Fed Loans Servicing in XXXX XXXX. In XXXX XXXX, I received a letter from Fed Loans that my application was in review. I also called Fed Loans twice both in XXXX and XXXX. I was told that my application was being reviewed and I would hear from them and I have not. I am a full time XXXX with direct loans so I qualify for the program. My employer filled out the paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 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: CA

Complaint narrative:
XXXX / XXXX / 17  I paid the best service ca {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection 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