vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 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: Netspend Corporation
State: NY

Complaint narrative:
Netspend I had a number of authorized on my account so I file disputed charge on my account the first one was XXXX to XXXX XXXX in XX/XX/2018 here is my claim XXXX my reference number XXXX on XX/XX/2018! My account was XXXX by XXXX It also was unauthorized so I file disputed charge here is my claim number XXXX reference numberXXXX then I had another unauthorized on XX/XX/2018 XXXX by XXXX XXXX Here is my claim number XXXX and reference numberXXXX. Then Netspend block my account and turn my debit. Netspend didnt do anything when I first reported the first unauthorized charge to XXXX XXXX also was they didnt use my debit card they use my account number because my phone was hacked. So I ask them to freeze my account and give me a new account since was my account number was used. They didnt want to listen to me and didnt anything. They do anything until my account was hit with 2 additional charges for XXXX XXXX. Then Netspend set me up new account and new debit. They also transferred the money I had left in my old account for a XXXX dollar charge. Everything was going okay until XX/XX/2018 I tried to used my debit card and the charges wouldnt go through so I called Netspend to see why my debit card wouldnt working Netspend said that disputes department close my account Because I was a high risk. They also I would receive my balance in a check and I am still waiting for it. I also can not understand how I am a high risk I had be a customer for 4 years This my account numberXXXX for my old account I really need help I am on fixed and I dont have any money. Also here is new account numberXXXX I think that everything you can see I am in real mess. Thank you

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 2018-09-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo to request to request my Loan Agreements, Correspondence relating to loan modifications, correspondence relating to denial of loan modifications and foreclosure petition. 
The gentleman who answered phone advised me he has it but is not allowed to give me such information. He advised me my representative will call me back to give me information. I have called XXXX and 2 other employess and left countless number of messages and none will return my phone call. The original was almost taunting me by advising me he has the information but can not give it to me.

From my understanding I am entitled to these documents as they are negatively being used against me and has caused me great financial hardship. Wells Fargo continues to circumvent the law and disenfranchise American Citizens due to their greed and unethical behavior. I am requesting and will forward my case file to Senator XXXX and Senator XXXX review my EEOC case file to encourage Wells Fargo to submit my paperwork. This is very frustrating having to continue and battle with such a large organization that continues to manipulate its customers and the United States Government with its unethical behavior. 

XXXX XXXX XXXX XXXX XXXX. 
Washington DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXXI have notice that COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX balance of {$1500.00} has appeared on my credit report. In addition this piece of information it should not have been replaced on my credit report, On XX/XX/XXXX this collection has been removed /deleted from my credit report. Previously deleted information was reported to my credit report and is now harming my credited report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
On XX/XX/2018 a cashier check in the amount of XXXX and notorized contract and rules written on check was sent to Consumer Collection Management via certified mail. On XX/XX/2018 the collection company signed for mail. On XX/XX/2018 Cashier check was cashed via bank contract violated not abided by because debt remains on XXXX credit report as of today XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc.
State: NJ

Complaint narrative:
On XX/XX/2018 I received a bill from First Finicial Resources INC in the amount of {$2000.00} for account # XXXX. 

On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. I also asked how they would attempt to report a debt that has already been reported. 

Its been over 30 days and I have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX, XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, Phone : XXXX XXXX XXXX Sub : Complaint against Citibank for nullifying my check by mixing of refund of credit balance with standard purchases, a discriminatory and retaliatory action against me by Citibank. 

To : The Chairman, CFPB Dear Sir : A check was issued to me by the Citibank on XX/XX/2018 ( check # XXXX ) in the amount of {$66.00} as a refund of my credit balance. Before issuing the check the Citibank added this amount on XX/XX/2018, to the total of my standard purchases ( of 8 items, which comes to {$360.00} ), and thus increasing the total of standard purchases or charges from {$360.00} to {$430.00}, please see the row item purchases +XXXX under the header of Accounts Summary. You may also see this on XX/XX/2018 billing statement already sent to CFPB in XX/XX/2018 in pursuant to the case of Conditional credit, and is also shown below for quick reference : This action by the Citibank has nullified the check, issued to me on XX/XX/2018. Citibank must reissue a new check to me for he amount of {$66.00}. Because of discriminatory and retaliatory action by Citibank against me, I was forced to close my Diamond Preferred account, which I had been keeping, for last 24 years. 

Regards, XXXX XXXX XX/XX/XXXX STATEMENT ( Billing Period : XX/XX/18-XX/XX/18 ) Minimum payment due : {$0.00} New balance as of XX/XX/18 : - {$140.00} Payment due date : XX/XX/18 Accounts Summary : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Previous balance - {$360.00} Payments - {$0.00} Credits - {$210.00} Purchases + {$430.00} Cash advances + {$0.00} Fees + {$0.00} Interest + {$0.00} New balance - {$140.00} Trans Post date date Discription Amount _______________________________________ Payments, Credits and Adjustment -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX XXXX 's XXXX : - {$140.00} XX/XX/XXXX Refund Credit Balance : {$66.00} XX/XX/XXXX Citibank Conditional Credit for Dispute : - {$68.00} Standard Purchases : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX XX/XX/XXXX Reverse XXXX *XXXX XXXX XXXX : {$68.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$24.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX : {$3.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$15.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX : {$40.00} XX/XX/XXXX XX/XX/XXXX XXXX  : {$16.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : {$140.00}

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 2018-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: MA

Complaint narrative:
My husband applied for a loan back in XXXX online and was paid off this past XX/XX/2018. Today I received an email with a new loan offer, We called the number to check it out, the man who answer name is XXXX, I couldn't understand due to his XXXX accent, said he need our acct information to verify it was my husband. He made us confirm my husband information which he emailed us the " loan approval '' form per my request. I asked to speak to a manager who's name was also XXXX advised he was going to deposit XXXX in which at XXXX we needed to go to XXXX and do a money transfer and then by XXXX the would be XXXX in his acct. When unasked him where he received my husband information he said XXXX XXXX. It made no sense to us so we called the bank and changed all passwords. ( They claim to do a digital deposit ) His name is XXXX XXXX and phone is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Some Negative shows on my credit report and i don't know those things

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I did reported to chase credit company that my credit card was stolen and being a fraud charge for {$720.00} to XXXX XXXX in XX/XX/XXXX. 

The Chase company did closed my account and send me a new cared with a new credit number. 

The amount XXXX dollars was clear at that time but it came back to my account at XX/XX/XXXX, I tried to call the Chase many times but nobody can resolve my problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc
State: MI

Complaint narrative:
I recieved a call from XXXX XXXX at work on XX/XX/XXXX about monies owed for XXXX XXXX I needed to pay or i will be sued. I explained I was closing on my home on XX/XX/XXXX I would pay the debt at that time. On XX/XX/XXXX XXXX XXXX called back. I called him back to settle the payment on XXXX. The payment was declined by my bank for fraudulent activity. They tried to withdraw XXXX 8 times that day. My bank canceled the card. I then started recieving threatening calls from various numbers. At this time XXXX started threatening me that a summons was being issued and I was going to be arrested at my home or place of employment and that my drivers license was being suspended. This company goes by Niagara restitution. I called purchasing power they sold the debt to a different company not Niagra Restitution. Everytime I call back regardless the number they called me on, the same person answers no secretary or automated recording. They call me every hour harassing me. This particular debt isn't on my credit report. My husband asked XXXX for a debt verification letter and she is supposed to be sending one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: On-Site Manager, Inc.
State: CT

Complaint narrative:
XX/XX/18 I was denied for my housing application because the housing background check found a case and automatically assumed I was evicted. I was never evicted the case was withdrawn and Im still being denied a roof over myself and my childs head for false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
On XX/XX/2018 I pulled a hard copy of my credit report and noticed a negative collection account. That was my first time every seeing anything from that company. 

On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. 

Its been over 30 days and I 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 2018-09-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is regarding Complaint ID 's XXXX, XXXX and XXXX. 
I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. 

XX/XX/2016 Reference : XXXX XXXX AUTOPAY PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ONLINE PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX MANUAL CR BAL REFUND

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I pulled a hard copy of my credit report and noticed a negative account that I had never seen before. 

That same day XX/XX/2018 I reached out to the company via certified mail and asked them to validate the alleged debt. 

It has been well over 30 days and I have yet to receive a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, Loancare LLC withdrew my mortgage 3 times, {$2600.00} the first 2 times, and {$2400.00} the third time. This issue was eventually resolved but had a ripple effect across the rest of my bills, as I am currently not able to afford 3 mortgage payments. Over the course of the next year, Loancare would not withdraw the funds on or about the desired date, in some cases waiting until past the due date, in which case they would turn off auto pay, add a late fee and then contact us. In XX/XX/XXXX, we refinanced with them to lower the percentage rate. We had auto-pay set up from the get go, but in XXXX we were notified that they do not use auto-pay so the payments we not pulled. Furthermore, when looking into our Credit Report it came to light that Loancare kept our original mortgage on file, so when we called we were told we had two payments per month to make. We made XXXX and XXXX 's payment, but in XXXX when I called to transfer my payment I was told they would not accept any further payment unless I catch up in full for the months of XXXX, XXXX, XXXX, XXXX and XXXX. My bank, XXXX, is tracking ACH transactions in XXXX and XXXX which withdrew the payments, as well as multiple additional attempts to pull money each month. When I addressed the issue with Loancare, they told me they had no records of the XXXX/XXXX   payments and I needed to contact XXXX, which I did promptly, leading to a conference call between myself and the two companies. Despite XXXX explaining that they had proof that Loancare had already pulled the payments for XXXX and XXXX, Loancare is insisting that they never received the payments and I must catch up in full. This is causing me to take a Loan out on my Thrift Savings Plan to catch up with the hope that they do not lose this as well.

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 2018-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Could you please assist me with rectifying, according to law, how a mortgage Servicer/Lender can require me to pay for a hazard policy that was never forced placed? 

As background, on the XX/XX/XXXX I close on my house which was originally financed by XXXX. XXXX. At closing I paid for a full year of Hazard Insurance coverage ( set to expire XX/XX/XXXX ). Before my first mortgage payment was due, PennyMac bought my loan from XXXX. XXXX and since I have been making payments to include escrow for hazard insurance. 

To my surprise, on the XX/XX/XXXX I  received a call from PennyMac informing me that my hazard insurance policy was cancelled. Which was discovered by PennyMac when they made contact with the insurance carrier to renew the policy. I immediately called my insurance company only to confirm the bad news. Since I have found a new policy and informed PennyMac to pay for my new insurance out of the escrow account. PennyMac took care of the new policy and went on thinking everything was back to normal ... or so I thought. 

XX/XX/XXXX, I received a letter from PennyMac asking me to provide proof of insurance for the time frame when the policy was cancelled or they will buy insurance for approximately {$2000.00} and will take it from my escrow. This is bizarre, I question how can a servicer/lender require a borrower to pay for insurance premiums when there was no forced/lender placed policy to justify the premium. I called a few agency to see if I can buy insurance for a period that's in the past and I was told that's illegal and impossible. Now, how can PennyMac buy coverage for a period in the past?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Hello, Contacted XXXX XXXX XXXX XXXX XXXX   after experiencing multiple problems with a car purchased just shy of a year ago. The warranty was purchased as an extended warranty, to cover the cost of anything that could go wrong. What happened is one day my car started and the screen that displays radio, air conditioning, and back up camera did not work. I called to see what to do and XXXX XXXX told me to take to a dealership for diagnostics. After being diagnosed, my car needed a new battery harness, which connects to the computer of my car. Due to a malfunction within the cable itself. This may have caused signal to go out to the radio module. XXXX XXXX declined completing the work order and referred me back to carvana. Carvana then told me they would take care of me and not to worry, they just needed the complete diagnostics from XXXX. After connecting with them apparently they decided they are unable to fix this. Its outrageous. During multiple times not only did XXXX XXXX tell me they would fix it due to the items not being on an exclusions list so did carvana. 


Attachments ; photo from Wesite stating what XXXX XXXX entails ; photo of exclusions from extended warranty, photo of email denying coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I am fairly new to the wire transfer business. 

I am using an online bank XXXX. I set up a MoneyGram and they rejected my banking information and accepted the debit Visa card as payment for {$250.00}. While with the bank account would have cost {$10.00}. By using the debit card it cost me {$25.00}. 

They processed the wire with the debit card. I contacted the bank and asked why there was a problem and they stated that certain merchants don recognize the bank. 

I filed a complaint because it cost me an additional {$15.00} and I wanted a refund, after all it was the same bank. 

Then I received an email that my transaction was cancelled. And I call and they refused to tell me the reason. 

Now they are holding my money for 3-10 business days and this is unacceptable since I wired the funds to settle a debt and now that person is left hanging and I do not have additional funds to send the money through another means. They should have disclosed this information before I processed the payment. 

Stating that it is a security issue is evasive because it is a small amount of money. There is no reason for them to cancel the payment or close my account with no further explanation or immediately returning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: KS

Complaint narrative:
Sent BB & T a {$9500.00} Principle only payment on XX/XX/18 with a letter saying : " Apply the enclosed {$9500.00} immediately to the principle balance of the loan. DO NOT apply this amount towards interest or regular monthly payments. '' on XX/XX/XXXX18, both the {$9500.00} check along with regular {$940.00} mortgage payment cleared our bank. I get a statement from BB & T dated XX/XX/XXXX18 showing that only {$9000.00} had been applied to principle out of the combined XXXX. Called BB & T. They could not explain why the full {$9500.00} was not applied to principle. They refused to recalculate interest for XXXX even though the loan amount was less for most of the month. 

BB & T has stolen thousands of dollars by misapplying payments and misinforming me about how to remove PMI over the Couse of the loan.

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