vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I bought two airline tickets through XXXX XXXX six months before the flight, I cancelled three months before the flights, XXXX XXXX refused my refund on my XXXX credit card, XXXX is the holder of the account, after several months Portfolio Recovery was given the debt to collect, we agreed on a 12 month payment of {$55.00} monthly, after six months of paying on time, my seventh check was returned to me with a letter that the would not accept this agreement, I called them and was told that the agreement was in error but now they will accept the payments for 36 months instead of the original agreement of 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I received three emails from Wester Union confirming transfers. This instantly alarmed me because I did not send any money via Western Union.  The last time I used their online service was in XX/XX/XXXX. I immediately checked my bank account and seen that two of the three transactions went through, however, my bank immediately reversed them. I informed my bank about the unauthorized transactions and cancelled the card that was used. I then called Western Union to notify them of this unauthorized transaction completed on the website and to request my online account be closed. The first person I spoke with on XX/XX/XXXX @ XXXX XXXX - I explained the situation and she said she would transfer me - I listened to a silence ( call was still connected ) for a few minutes before I hung up and tired again. This time I called their Fraud line XXXX @ XXXX. I explained the situation again to the guy on the phone and I informed him that thankfully the bank stopped the transactions. But I was concerned how this happened on their online platform, and wanted to make the company aware of this and have them look into it. However, he did not acknowledge my complaint. He just stated that my account would be closed. I stressed that they need to look into how this happened. He would not confirm that would be done. I ended my call very frustrated and will never use their services. I also went online to ensure my Western Union online account was closed, as the rep stated it would be, but it was not. 

These are the transactions that were not authorized by me : Your tracking number ( MTCN ) is : XXXX Your tracking number ( MTCN ) is : XXXX Your tracking number ( MTCN ) is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Bayview took over the servicing on our mortgage that we are behind on. We had an attorney that we hired to help us obtain a loan modification since our payments had increased. We were in a hardship situation due to the death of the primary supporter of the residence who was on the mortgage. Our attorney told us in XX/XX/2018, that we needed to file for bankruptcy to help get the mortgage modified. However, the attorney was incorrect and the bankruptcy court reprimanded him and dismissed the bankruptcy. On XX/XX/2018, we received NOTICE OF TRUSTEES FORECLOSURE SALE set for XX/XX/2018. We contacted Bayview to explain the situation with the attorney and that we would like to have a modification and keep our home. They instructed us to submit a Hardship Application. They said that they needed the copy of the death certificate and will so they could speak to us. I submitted those items immediately and received a notice on XX/XX/2018 from Bayview thanking us for submitting the application for loss mitigation. On XX/XX/2018, we submitted a Hardship application with all financial information that Bayview had requested. On XX/XX/2018, Bayview sent a letter thanking us again for sending the application for loss mitigation saying that within 30 days of their receipt of documentation, they will provide us with a written decision regarding our eligibility for an assistance program. On XX/XX/2018, Bayview sent another letter stating they had received the request for assistance from us, but were unable to consider this request because the submission date was too close to the proximity to the scheduled foreclosure date. I then contacted our loss mitigation representative, XXXX XXXX XXXX who told me that there was nothing we could do and that Bayview will not consider our application because we were within 37 days to the sale date. I pleaded with him for any help, including a short sale, deed in lieu of foreclosure, anything except the actual foreclosure. He said absolutely there were no options for us. On XX/XX/2018, we were informed by a private third party company, that our home WAS NOT LISTED FOR FORECLOSED ON XX/XX/2018. Subsequently, we have now learned that the actual posting date for foreclosure is XX/XX/2018, which is more than 37 days since the Hardship Application was submitted to Bayview. We have never heard back from Bayview again nor any attorney representing them. Our application should be reviewed and considered since we did submit it within the time frame Bayview requires. We were never given any rights to appeal their decision. We were given NO options or advice on how to proceed. We are upside down on our home due to structural foundation problem and hail damaged roof. We would like to keep our home and want to bring our account current, but need Bayview to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
You have 1 account in Collections Contact Information FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XX/XX/2016 - - XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX-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 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
Im trying to refinance my mortgage out of Amrihome to a different lender and they wont issue a payoff letter. Thire claim is that as they dont have hazard insurance on the property they cant issue payoff notice. 
Though I have explained repeatedly that I can not insure the house as its about to be demolished and that the new lender is providing me with a construction loan facility they dont seem to except that. 
My constant conversations with supervisors at the call center who promised me that they understand and therefore will issue such payoff notice ended again in disappointment as no payoff notice was sent. 
In light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. Nothing seems to matter to them as today again I was promised an email and escalation but nobody contacted me. 
Seems like Im in limbo no in light of their conduct my closing for the refinancing did not occur and I would have to redo the whole process and pay additional fees for the new lender. I also gave them permission to impose insurance on me and to charge me with the premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate item on all three of my credit report, XXXX, XXXX, XXXX. The item I disputed was XXXX XXXX Account # XXXX. All three of the credit Bureaus reported back by saying it was verified. In XX/XX/2018,,, XX/XX/2018 to be exact I wrote a certified letter to XXXX XXXX to the address listed on my credit report as XXXX XXXX XXXX, XXXX, SC XXXX requesting validation made pursuant to the Fair Debt Collections Practices and the Fair Credit Reporting Act. I requested the original contract of the original account contract and for it to be sent to me,, I am allowed to see the original contract by law. I was requesting that competent evidence bearing my signature, showing that I have contracted obligation to pay the debt. Well today is XX/XX/2018 and XXXX have yet to provide me with copies of the original contract signed by me XXXX XXXX. they have violated my rights. they have failed to respond to me by sending my proof that I own this account. they received and signed for my certified letter on XX/XX/2018 and todays date is now XX/XX/2018 and XXXX XXXX has yet to send me my documentations by mail. THIS ITEM IS NOT REPORTING ACCURATE ON MY CREDIT REPORT AND XXXX IS NOT FOLLOWING THE LAW, VIOLATED MY RIGHTS BY NOT RESPONDING AND SENDING MY PROOF AND SIGNED CONTRACT,, I HAVE ENCLOSED COPIES OF THE CERTIFIED MAIL RECEIPT AND A COPY OF MY LETTER I SENT TO THEM, COPIES OF THE DELIVERY TRACKING CONFORMATION, XXXX XXXX is being non compliance they have violated federal, law and is liable for the non compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
DISPUTE WITH XXXX XXXX XXXX XXXX XXXX XXXX-STATEMENT FOR XX/XX/XXXX/XX/XX/XXXX SHOWED FOUR FRAUDULENT CHARGES AS FOLLOWS XX/XX/18 {$60.00} XX/XX/18 {$490.00} XX/XX/18 {$280.00} XX/XX/18 {$200.00} -- AFTER FILING A COMPLAINT WITH THE BANK THEY CANCELLED MY CREDIT CARD AND ISSUED A NEW CARD WITH NEW NUMBER. THEY ADVISED ME THAT THE VENDORS ON THE XXXX   CHARGES HAD BEEN TAKE CARE OF AND REMOVED FROM MY ACCOUNT. AFTER THEIR INVESTIGATION ON THE XX/XX/XXXX CHARGES I WAS ADVISED THAT THIS DISPUTE HAD BEEN RULED IN MY FAVOR AND HAD BEEN REMOVED FROM MY ACCOUNT.

THINKING THAT THIS WAS THE END OF THE ISSUE UPON RECEIVING MY XX/XX/2018 STATEMENT I NOTICED THAT THE {$280.00} AMOUNT HAD BEEN PUT BACK ON MY ACCOUNT AS A CHARGE.

AFTER NUMEROUS PHONE CALLS AND LETTERS TO THE BANK THIS ISSUE HAS NOT BEEN RESOLVED AS OF THIS DATE. ON XX/XX/2018 I MAILED THE BANK A LETTER ( CERTIFIED MAIL DELIVERY RECEIPT REQUESTED ) REQUESTING THAT THIS ISSUE BE SOLVED. THIS LETTER WAS RECEIVED BY THE BANK ON THIS DATE.

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 2018-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I lost my card back in XX/XX/XXXX I have been calling XXXX and trying to dispute these fraudulent charges that were made. I called XXXX   in XX/XX/XXXX and XX/XX/XXXX to have a card mailed out to me and it never arrived. I have written multiple letters to XXXX in regards of the fraudulent charges and I've even filed 2 fraud claims against these charges and late payments that occurred. they have failed to notify me by mail with the results of my claims. the last claim that was filed was in XX/XX/XXXX. I got off the phone XX/XX/XXXX to find out the results of my claim and they yet again mailed it to an incorrect address. every time I have called XXXX in regards to the lost card they never mailed me a new one I've had the statements mailed to me and they do not go back far enough from when the fraudulent charges were made that I specifically requested for. they recently closed my account due to inactivity since I have not had the card. there was a debt that was owed that I paid because I did not want an outstanding debt in my name, the balance was paid in XX/XX/XXXX .And they still reported me late for the month of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX even though I had paid it. come to find out my payment never went through due to an issue with my bank and automatic withdraw. I have tried everything to get this information corrected because it is an accurate, the charges and late payments that were made from XX/XX/XXXX to XX/XX/XXXX were not do to me. I have disputed it directly with XXXX and directly with the credit reporting agencies. XXXX had removed the account entirely from my report so there must have been something that they found that that supports my claim. This has caused me a lot of stress and heartache and I really just wanted to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I keep getting notices that I have to re-certify my Income Base repayment plan in XX/XX/XXXX. However, when I log into the Federal Student Aid website it says I do not have to re-certify until XX/XX/XXXX. I spoke to a representative at Navient who said I only have to re-certify with the one form on the Federal Student loan website, but she couldn't explain why Navient had one date and the FASA site and my other loan servicer had a completely different re-certify date if I only submitted one form that went to all. 

I am also filing a complaint that Navient doesn't participate in the Public Service Student Loan Forgiveness program that I am already participating in with my other lender. What kind of company doesn't support Public Service employment?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
At end of business on XX/XX/2018 my account was overdrawn by one cent and I was charged a {$35.00} overdraft fee because of that. They advertise {$5.00} overdraft pass but apparently since the item that overdrew my account by one cent was more than {$5.00} it triggered the fee. I asked for the fee to be returned at my local branch in XXXX, PA and XXXX said he would look into it on the next day and call me. He never called and never refunded the fee. I tried calling him and still never returned the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I have had 2 appraises done on the property and 100 % everything including size and work required was 100 % different in both reports, last one wanted a electrical inspection but 1st said there was no issues, almost nothing stayed the same between the 1st and 2nd report done, quicken refuses to have it redone by a 3rd party for any verification or cover the inspection for electrical that was request by 2nd. They refused to do anything about it. 

on the deposit they made me place for XXXX and refuse to give back. im sure that upon review of the tape it will clearly show that I asked about this and I was told THIS IS A CONSENT TO DO BUSINESS further it was stated that THIS IS 100 % APPLIED TOWARDS YOUR LOAN. I also stated about what if things did not go well and in return it was stated to the effect of THIS IS ONLY TO MUTUALLY ASSURE A COMMITMENT TO DO BUSINESS AND THIS IS A DEPOSIT THAT GOES TOWARDS YOUR LOAN a deposit is something that is returned once business is completed and in this case that was told to BE APPLIED TOWARDS THE LOAN, IN EFFECT IT IS TAKEN OFF THE LOAN SO YOU DO GET IT BACK IN THE END ... 

THEY REFUSE TO FIX THE REPORTS, THEY REFUSE TO KEEP LOAN OPEN TO I CAN GET REMEDIATIONS DONE, THEY REFUSE TO DO THE ELECTRICAL INSPECTION, THEY REFUSE TO GIVE ME BACK MY XXXX DEPOSIT and point to a document that was signed in hast because of what i was told.. 

I WANT MY XXXX BACK, OR I WANT THEM TO DO THE INSPECTION AND GET A 3RD PARTY I AGREE ON TO DO A NEW REPORT BECAUSE THEY CONTACTED WHO THEY WANTED FOR BOTH REPORTS, WELL THERE PREFERRED TITAL COMPANY XXXX DID ANYWAY.. SO THEY PREFERRED COMPANY GOT THEY PREFERRED PEOPLE TO DO A REPORT THAT FAVORED THEM AND NOW REFUSE TO HAVE A INDEPENDENT 3RD PARTY DO ANOTHER TO RESOLVE THAT MATTER THAT 1ST AND 2ND REPORTS WERE DIFFERENT IN ALL AREAS EVENT BUILDING TYPE, SIZE, LIVING AREA, ELECTRICAL, PAINT, REPAIRS NEEDED, ETC ... THE 1ST REPORT SAID ABOUT 1,000 TO FIX IF YOU HIRE SOMEONE, THE 2ND SAID ABOUT 5,000 FOR THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/2017 It showed up on my XXXX XXXX XXXX/XXXX XXXX Never heard of them

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 2018-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MO

Complaint narrative:
Today I recieved a call from a debt collector XXXX XXXX saying they were going to collect a medical debt from XX/XX/2017. I have not lived in the state of ohio for years and this debt is not mine. They said it was submitted by XXXX XXXX XXXX for a XXXX XXXX ( NOT my dr ) and the address used was for a house that we have not lived at for years. This is a mistake. I emailed the billing department of XXXX XXXX XXXX to try to clarify, but I want this taken off my credit report and they need to remove the debt from my name ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
After receiving a seniors tax break on my home, the Loan Servicing Company ( LSC ) reduced my monthly payment. Soon after, the County raised my taxes by about {$320.00} per year and my homeowner insurance went up {$20.00} per year. Now the LSC wants me to pay them {$1000.00} more per year to make up for the {$340.00} change. The {$90.00} per month increase is considerable when living on Social Security. 

I called the LSC and they offered to adjust the increase to about {$60.00} per month, but that is still a lot under my circumstances. I asked them to waive their cushion of nearly {$300.00} to help absorb some of the shortage, since it was their calculations that contributed to the problem. They would not agree. 

I had to ask three different people before I could get someone to provide me with your agency name so I could ask for help. I hope you can help with a more reasonable solution to this situation.

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 2018-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/2018, my mortgage loan with Habitat for Humanity was transferred to a new loan servicer XXXX XXXX XXXX XXXX XXXX, XXXX. I was unaware of a loan service transfer. I made contact with several entities to assist with foreclosure prevention. There are 12 of us impacted by this loan servicing transfer to a non-registered mortgage servicer. My loan with habitat was not supposed to be transferred to a non-regulated loan servicer. My original mortgage servicer Habitat for Humanity requested to buy back my loans as it was sold in error to a non-regulated mortgage servicer. I need your help in keeping my home and get them alone sent back to my original mortgage servicer. I was not notified 15 days prior to the sale of the mortgage that there will be a loan transfer. 
Please help me keep my home.

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 2018-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NJ

Complaint narrative:
On XX/XX/2018, I received a letter from AlliedInterstate LLC dated XX/XX/2018 regarding a debt from original creditor XXXX XXXX XXXX, creditor : XXXX, amount owed : {$46000.00}, Allied Interstate Acct # XXXX. 

I dispute the validity of this debt as it is addressed to the wrong person. Pursuant to my rights under the federal debt collection laws, I am requesting that you cease and desist sending letters to our address. You are contacting the incorrect person. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey Attorney General 's office. Civil and criminal claims will be pursued.

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 2018-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
SENTRY CREDIT INC is reporting a credit collection that I do not owe. I have never signed a contract or any thing with them. I do not know this company.

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