vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The creditor is ruining my life and the debt is not owed. This is affecting me even getting another job. It has received payment for this debt according to Book-entry securities are investments such as stocks and bonds whose ownership is recorded electronically. Book-entry securities eliminate the need to issue paper certificates of ownership. Ownership of securities is never physically transferred when they are bought or sold ; accounting entries are merely changed in the books of the commercial financial institutions where investors maintain accounts. 
Book-entry securities can also be referred to as uncertificated securities or paperless securities. ( Unknown or not made aware off by company to the individual ). Is this a new asset?

1. Is it true that the original creditor or debt collector violated GAAP, generally accepted accounting principles, in turn making the agreement null and void? Yes or no 2. Is it true that the original creditor violated the matching principle of GAAP in that if they accepted an asset from the debtor, the original creditor did not create a liability account showing that there is money owed to them or a debt collector please answer?

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 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XXXX XXXX, has done everything he possibly could to save his home. He even tried to pay the reinstatement amount with the check and Nation Star would not accept the amount of money that be took from his 401K to pay the debt to bring the loan current. 
NationStar had one amount and their attorney had another excessive amount for their fees. When XXXX XXXX called Nationstar they were not aware that the attorney refused the reinstatement bank check.While Nationstar/Mr. Cooper and their attorney not working together a sale date was set and XXXX XXXX had to file a Chapter XXXX bankruptcy to stop the sale. 

XXXX XXXX has tried so many times to save his home, Nationstar /Mr. Cooper told him they did not need any proof of income from him - but the immediately refuse to help him or deny him from any workout on his loan. They even denied the payoff that they created and sent him. 

The attorney had one payoff amount and the bank had another and the bank was looking for the payoff and asked why it was not submitted? According to the bank it was denied by their attorney without their knowledge. 

While trying to get some help the home could go into a foreclosure auction date again even though he made a payment. 

Nationstar /Mr. Cooper will not help.. 
Please help - Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX, I received a missed call from number XXXX. I returned the call and someone by the name of XXXX XXXX answered. She advised she was looking for me. She stated my DOB without disclosing what the nature of the call was for. I called back again and spoke with XXXX XXXX and she asked if I knew the person they were calling for. I advised yes but I never confirmed I was the right person. The lady then disclosed my SS # and other personal information saying they will notify the state of a pending legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has, again, not responded to requests about a matter regarding FEMA payouts. I submitted a complain already about {$22000.00} and {$7500.00} that were not paid to me. Capital One finally rectified the situation after I submitted a complaint here. I followed up with Capital One to give them an opportunity before I filed another complaint. They did not respond. Another FEMA check was issued on XX/XX/2012 for {$30000.00}. This amount was deposited with Capital One and they did not release the money to me when I paid off my mortgage. It is unfortunate/convenient for them that they did not discover the missing {$30000.00} when they investigated my prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My business was recently lost in a major flooding event in XXXX County,  CA on XX/XX/XXXX. It was declared a state of emergency by Governor XXXX, and is being assessed as a natural disaster by FEMA. Since it has not yet been assessed as so and might not considering the rural nature, Citibank Visa XXXX Card will not recognize what I am going through as such. That being said, I have been reaching out to them since XX/XX/XXXX to try and get a late charge reversed but since I had one reversed back in XX/XX/XXXX and their " company policy '' won't allow that, they will not help me. I've escalated the call and asked to speak with a supervisor who called me back 2 days later and I was again unsatisfied by their unfair treatment of my situation, as I explained I have no income and would like to work out a payment program, but feel it would only be fair to remove the late fee. Once again, I was escalated to their supervisor who was supposed to call me within 2 more days and never received a call. So, I tried calling from the bottom of the totem pole again today XX/XX/XXXX as I am doing my best to resolve this situation and another late fee has accrued since they've not been responsive. Much to my disappointment I waited on hold for nearly 20 minutes before they told me nobody was available and someone would call me back in 2 days. I am not sure what else to do. I've explained my situation ... I have NO income and wish to make some kind of arrangement with reasonable monthly payments, but they aren't willing to work with me and keep dragging it out so that I have even more late fees that they refuse to reverse. I am feeling very abused and I'm already in trauma after losing my small business just 3 weeks ago and doing my best to take care of all loans, creditors and vendor relations. I could really use some assistance with this company please. I've been able to make arrangements with other entities, but they're being very difficult and uncooperative iwht my efforts to find a fair resolution.

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 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK
State: IL

Complaint narrative:
On many occasions the bank will post debits from the account first, then charge overdraft fees before posting any credits to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: AmeriCash Holding LLC
State: IL

Complaint narrative:
When recently applying to refinance my car, a lender pulled a report from both XXXX and XXXX. XXXX reported a judgement on my consumer file in error. Upon investigation, I discovered 2 separate factors warranting the immediate removal of this account from my report : ( 1 ) the account information belongs to a consumer with a different last name & different social security number than mine ; and ( 2 ) the judgement was for collection of a loan that originated on XX/XX/2010. This information was supplied to XXXX, and they refuse to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Miller and Steeno, P.C.
State: MO

Complaint narrative:
MILLER & STEENO XXXX, XXXX XXXX XXXX, Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX This firm put a garnishment on my checking account with XXXX XXXX XXXX on XX/XX/2019.

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 2019-03-19 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: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
I inquired with PHH mortgage services regarding loan refinancing. After talking to them I declined the loan. They sent a packet of all my financial and personal information to another customer of theirs. When this customer realized he received all my information he notified PHH. He stated he spoke with several people at PHH. They all instructed him to ignore this and shred the documents if possible. I was made aware of this by the customer. PHH mortgage corporation never notified me of this breach of my security and still has not. The only reason I know of this is because of the customer who felt he should tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violation taking more than 30days on account that are not mine

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 2019-03-19 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: CA

Complaint narrative:
Equifax and XXXX are guilty of violating my consumer rights and violating F.C.R.A. rules and regulations on several counts. I did file for BK back in XX/XX/2009 which was a chapter XXXX.. However these 2 bureaus are reporting a chapter XXXX and stating they will report it for 10 years ... this is a violation. 
I disputed with them only to receive a computer generated statement saying they verified with the provider the information is correct. I called both bureaus who told me to contact court. COURT CONFIRMED IN WRITING THEY DO NO REPORT, VERIFY OR VALIDATE ANYTHING WITH CREDIT REPORTING AGENCIES ( see attached ) so it is LIE!!!! Then I disputed and called again and was told they get this info from XXXX XXXX. I contacted XXXX and received in writing statement that they did NOT get any response from the bureaus and did NOT get any requests for verification and validation ... SO EFX AND XXXX LIED ON ALL DISPUTE RESPONSES SEVERAL TIMES ... THIS IS PUNITABLE BEHAVIOR AND I WILL COMPLAIN TO FTC AND ATTORNEY GENERAL 'S OFFICE IF THESE ARE NOT RESOLVED AND REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
Hello, My name is XXXX XXXX, a residence of Massachusetts. I got a kitten from a cattery called XXXX XXXX XXXX, owned by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX, XXXX XXXX, Email : XXXX. He introduce a shipping service called " XXXX XXXX '', owned by XXXX XXXX, Located at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. Tel : XXXX, Email : XXXX On XX/XX/XXXX I paid them {$950.00} for cat and shipping based on Invoice # XXXX. But on XX/XX/XXXX they ask extra $ 975+ {$1000.00} for vaccine, rental of crate and insurance, which is not mentioned on contract and claim to be refundable. On XX/XX/XXXX I was informed death of my cat and they promise full refund of $ 8000+ {$900.00} refund of crate, but with {$1200.00} processing fee before that. After payment of {$1200.00} they stop replying my call or email, vanished with $ 950+ $ 975+ $ 1000+ {$1200.00} in total. And their customer service number is invalid. 

I tried to contact paypal and XXXX XXXX XXXX for help but they insist receipt of service/ merchandise should be solved with merchant and the transactions are authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ftc violation taking more than 30days on account that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
US Collections West sent paperwork to my employer to start garnishment of wages on a debt of {$1900.00} on XX/XX/2019. The Debt in question is not mine and I filled a motion with the judge on XX/XX/2019 to vacate the judgement. On XX/XX/2019 the judge ruled that the debt was not mine and ordered a stay of the garnishment and a release of all funds. I called the Collection Agency on XX/XX/2019 and was asked to call back. I called back on XX/XX/2019 and was transferred to my case manager XXXX XXXX. I asked when funds would be released and he stated funds would not be release because the judgement was invalid and they were not served. He then said I would have to take them to court because they were not releasing the funds. I would like to know why US Collections West is not following the court order and keeping the money wrongly garnished from my paycheck. I understand they have a client to protect but they are coming after the wrong person. I submitted a complaint to the XXXX and they are saying they have no knowledge of the court proceedings. I have sent them several copies of the court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
I was hurt on the job with a XXXX XXXX at the time of collection. I am now legally XXXX and cant afford to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Outsource Group, Inc.
State: CA

Complaint narrative:
They are calling relatives NEVER even reported in my initial credit application and harassing everyone with some connection to me. They are harassing my senior grandfather and confusing him, this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I called Barclays to cancel XXXX XXXX XXXX XXXX card I had with them. They offered me a no annual fee XXXX XXXX card if I would stay with them. I accepted the switch and did not know this canceled the auto pay I had on the original card. After 3 months I received a letter telling me the account was closed due to non payment. I immediately called and paid the entire balance most of which was late fees. 
My almost perfect credit score has dropped 80 points. I was receiving emails about my payment being due but they were the same emails I was getting prior to switching cards and I thought they were still being auto paid. None of the emails had a subject line that would let me know the bill was going unpaid. When I called to pay off the card I asked for help fixing my credit score I was told they would look into fixing my credit status. The next day I received a voice mail telling me to call the same XXXX number and ask for a supervisor. When I called back I was not put through to anyone and was told to write a letter to FCRA. I When offering to switch the cards the salesperson should have asked me if I wanted to continue to auto pay. Why did they wait till they had run up high delinquency fees and then closed the account before attempting to contact me. They had both a phone number and mailing address. 

They offered the switch without being clear about the change in auto pay. The charged me high delinquency fees and then closed the account. I received a letter telling me the account was closed.

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 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: AL

Complaint narrative:
This company was written and received a certified letter on XX/XX/19 after this company called me at my workplace. In the letter I instructed the company that I was not allowed calls at work and that they could only contact me via mail. The certified letter was signed and delivered back to me. They have since continued to call me as well as my references multiple times. I have sent a second certified letter as of XX/XX/19 instructing them to not contact any of my references nor me, that they are to only contact me via mail. They continue as of today to call my cell phone multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: NC

Complaint narrative:
A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I was wrongfully terminate due to 6 surguries and infection XX/XX/2011.DATE OF accident INSURANCE CLAIM OF BENFITS TO CARD WAS FUARDED COURT judgrment Resold collection claim to modernity. Lawyer and proff of records i was fuared XXXX XXXX XXXX XXXX, Employment of benefits. Im told by my new lawyer now im better to requesting to discover copy of credit file and 3rd party listed 2 times address change records i didnt request change

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2019 at approximately XXXX I called Navy Federal Credit Union to place a security word for all my accounts at NFCU , also had a note added to accounts that stated " No deposits are to be made unless account member is physically present and ID is used to verify, also a phone call to verify. 
On XX/XX/2019 a deposit was made into a mortgage account that is solely in my name, I was not present nor no verification was attempted by NFCU as I had previous requested. 
On XX/XX/2019 at approximately XXXX I called NFCU and talked to a represenitive from accounts ( did not get name nor employee ID number ) I explained what had happened and why my request was not being honored by NFCU , employee could not answer my inquiry and transferred my call to collections dept. I then spoke to a XXXX employee number XXXX and again explained what had happen and why my request was not being honored. XXXX stated that " NFCU does not refuse any deposits into accounts ''. I then asked her " even if the person who is making the deposit name is not on the account? ", she stated " yes ''. 
I asked her to check with the security dept. to see if anything could be done or what are the rules that apparently allow this to happen. XXXX put me on a brief hold and then returned and stated " NFCU does not refuse any deposits into accounts ''. I said thank you and hung up. 
This is my complaint, it is very freighting practice that anyone with an account number has this kind of access no matter what the reasoning is and is able to deposit without member being aware of what activity is happening to their accounts. I had placed this security measure ( for my own reason ) on my accounts and my request was not honored, this needs to be resolved and if can't, this complaint needs to move forward. thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation