vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Originally I was unable to pay my mortgage payments ( about 6 years ago, XXXX when " Obama care '' started, I was unable to bill insurance for massage, my sole income ) and stopped paying. This went on for an extended length of time and I did not know why the bank hadn't foreclosed. I hired a real estate attorney and pursued, the first time in cort my attorney learned that the bank " couldn't prove ownership '' this was somehow " fixed '' and I was approved for a repayment plan and in compliance when my home was sold at foreclosure sale 2 times. The first time, after unsuccessfully attempting to stop the sale, XXXX XXXX, holder of the mortgage went to the sale and bought the home. approx. date ; XXXX XXXX. 
Just over a year later as I continued the repayment plan, the home sold again. My attorney 's firm ( XXXX XXXX ) and XXXX XXXX  attempted to stop the sale, unsuccessfully and were also unable to reverse the sale. XXXX XXXX XXXX, the judge told the bank " pay the buyer his money back ( buyer, at that time was in agreement ) modify the loan and give the home back to mr. XXXX. The bank replied " why doesn't Mr XXXX  just pay the buyer '' my attorney replied if mr XXXX didn't need a bank, we would not be here. The judge then said 'the attorneys need to figure out who's going to pay the buyer and come back to court. approx three months later, in court, the bank still hadn't paid. XXXX XXXX  asked for ( and was granted ) 150 days more to continue negotiations These days will end in XX/XX/XXXX during this time, the attorneys for XXXX XXXX have ceased to follow up wile offering " any assistance '' they sent me all information on my case and encouraged me to get another firm to file lawsuit. I've called the ombudsman department for the mortgage servicer, SPS, and after reviewing my ( now closed ) account, they agreed there is a problem " the house was sold although I was up to date and in compliance with the repayment agreement " but they couldn't go any further as XXXXthe next step is between me and the bank '. I am presently awaiting information via hard mail of the conversation from the ombudsman dep. 
Although my attorney was clear ( before he left XXXX XXXX  ) '' if I sue the bank, I stand a good chance of gaining an astronomical amount of money "

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: OR

Complaint narrative:
I cancelled my credit card account on XX/XX/XXXX but am still being charged an annual fee ( {$150.00} ). I cancelled the account three days after the fee was assessed ( XX/XX/XXXX ) but XXXX will not remove the fee. 

The reason I cancelled the card was because I could not afford the fee. I tried to cancel the card a year ago ( XX/XX/XXXX ) but the customer service rep convinced me to keep it by waiving the annual fee. Now they are saying they will not waive the fee again. I am not receiving any good or service for this fee and have not used the card in over a year. I cancelled the card within days of the fee being assessed, so it's not like I benefited from using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veripro Solutions Inc.
State: WI

Complaint narrative:
This company has been attempting to collect on this debt for nearly 11 years now. I had a 2nd Mortgage with XXXX XXXX XXXX, which became XXXX XXXX. This company apparently collects for them. They have been continually sending correspondence offering settlement amounts, below what the full balance is, with incredibly short deadlines, like 2-3 weeks. When you call with " cash in hand '' to try and take advantage of the last offer, they always advise, that the offer was no longer good and say you have to pay the full amount of {$7800.00}. But in one of the calls, they learned that my home is nearly paid off and as a result have not been willing to take any sort of settlement. They allegedly sent a letter in XX/XX/XXXX, advising they were now going to be charging interest, going back to the time they obtained they loan I never received such correspondence ). In XX/XX/2020, we received an offer letter for {$1500.00} ish off the full amount of the loan of {$7800.00}. MY wife and i decided to try and take advantage of this and started to refinance our mortgage, so we could do this. The load was not completed in time, due to questions on lien holders on the house. Long story short, when I contacted Verirpo in XX/XX/XXXX, to ask for a payoff letter, I was expecting to get on showing the {$7800.00}, but instead they sent a pay off amount of {$13000.00}. Once again, when I am able to give them a payment, based on a letter they sent with an offer, they moved the marker again. I feel they are not acting in good faith to settle/collect on this debt in an ethical manner, as they keep changing the amount they want every time I have called over the years to pay them. They have never sent any notification of any other amount owed other than {$7800.00}, until I ask for a payoff, to change my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
I had a car that was voluntarily repossessed about 15 years ago. The amount owed was {$6400.00} after the sell off the car. I dont remember any communication about it after that. Fast forward to XXXX or XXXX I was taken to court by XXXX and XXXX and a judgment against me was interred for almost {$19000.00} for the car. I was told to pay {$100.00} per month. I paid the {$100.00} for about 2 years when my account was suddenly closed about a year ago. Im not sure why and dont recall getting anything in the mail. Around XX/XX/2020 I get a letter in the mail that looked like junk mail, but I open everything just in case. The letter is asking for the entire amount owed. They have no records of my payments that went to XX/XX/XXXX who is now XXXX. I was told that there is no record of my payment and Lloyd and McDaniel now want to proceed with the original almost {$19000.00} owed. I have proof of my payments ... I dont understand how a XXXX car can now be almost {$19000.00} .... I asked if I could pay my original balance of {$6400.00} with no answer Lloyd and McDaniel wants me to send the payment info but in order to credit me the account numbers have to be the exact same but some how they are different. Please help Respectfully XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Around XX/XX/21 my adult daughter who is a business woman, said a woman called her and asked for information about me. My daughter said the woman was extremely rude and thought my daughter was myself, My daughter told her she would not give out information about me to this rude woman! I later recieved a voice mail on my phone from this woman who was yelling that she sent someone to my address and I was not there! She continued to yell a say I need to contact her because the will be serious consequences, My daughter has her own home, so this woman searched for relatives with the same last name as mine and used bullying tactics, This is a credit card debt I could no longer pay due to job loss and a recent divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC charged me back in XX/XX/XXXX attorney fees ( Statement attached ) they used an attorney and filed a motion in the XXXX XXXX requesting relief from Automatic Stay on my property on the other hand the customer service department Authorized a Forbearance plan to me as a consumer for 3 Month since i had hardship due to covid XXXX i had to use my BK attorney at that time to file a motion and opposition cost me {$200.00}, there attorney ended up withdrawn the motion due to the fact i am on Forbearance plan i addressed this issue with the Executive office officer below the client relation and her email are attached Given the Fact that as a consumer i signed the loan documents with XXXX XXXX in XXXX then it was transferred to PNC to service the loan in XXXX in XXXX Given the fact that this is BK case filed because of my financial hardship, and the debt was Discharged on XX/XX/XXXX as well they made an error by utilizing an attorney, ignoring my forbearance and that cost me fees to their counsel and my attorney as well to defend the motion this is the feed back I received from PNC executive office : " in addition, the security instrument has been attached and on the page labeled 9 or 13 bullet point number 14 states : Lender may charge Borrower Fees for services performed in connection with Borrowers default This is something you signed when you received the mortgage. This means that a motion was filed against the debt owed. PNC is required to have legal council as well. These funds will not be reimbursed to you. 

In addition My Application with Loss Mitigation was denied the 1st time in error then the 2nd application was completed in XX/XX/XXXX but it has been difficult for them to acknowledge my income and acting they they can not understand my letter of explanation Underwriting has been ignoring some of my income They told me before on a recording line " we can not entertain a loan modification at this time " because the investor is not willing to do so They ignored the Covid XXXX Hardship Guidelines that was sent by PNC to XXXX XXXX the investor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have written and talked with my school loan lenders over the past year with no avail however, after further review of my three credit reports, I have found them all to be two to three years old, and my financial balances are totally incorrect. Unfortunately I have five lenders who have not updated any of my financial information to the credit bureaus. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Capital one, which is a credit card I paid off in full sixteen months ago, in the amount of {$3100.00}. After calculating such figures I have paid back {$14.00} to these XXXX lenders and my credit reports state false and or incorrect balances on these accounts. This is a very negative and significant situation for me and my future. I need help or directions that will help me fix this serious problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE

Complaint narrative:
I have written and talked with my school loan lenders over the past year with no avail however, after further review of my three credit reports, I have found them all to be two to three years old, and my financial balances are totally incorrect. Unfortunately I have five lenders who have not updated any of my financial information to the credit bureaus. XXXX XXXX XXXX, Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, which is a credit card I paid off in full sixteen months ago, in the amount of {$3100.00}. After calculating such figures I have paid back {$14.00} to these five lenders and my credit reports state false and or incorrect balances on these accounts. This is a very negative and significant situation for me and my future. I need help or directions that will help me fix this serious problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XXXX  sent a refund of XXXX to my chime checking account on XX/XX/21, but it has yet to be posted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were three accounts that do not belong to me. The account names are XXXX XXXX , County of XXXX XXXX & XXXX XXXX XXXXXXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my father since we have the same name. I am a XXXX and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even 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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: LA

Complaint narrative:
I use the cashapp for my business and I was paid on their by some customers. And in the middle of the night Friday XX/XX/2021 and Saturday XX/XX/2021. I was charge four times by XXXX Ads ( I have no idea what this is ) of {$25.00} dollars. Totaling in {$100.00} and they continued to try and charge my card four more times, but their was no money left and I blocked the card. I have been trying to contact cashapp through email. This is the only way you can actually get in touch with someone. Which they have continually send me to someone else. One person told me I had to contact the merchant, but how Im suppose to contact the merchant if I dont know who they are or how to contact them. When I ask no one has answered are responded to any of my question. I have emails everyday since and no one has responded to my complaints. I think its ridiculous that you can not speak to someone on the phone if you are a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a charged off credit card with Capital One Bank that was sent to collections in the amount of {$440.00}. I paid the debt off as of Monday XXXX the XXXX. I then disputed the collections report on my credit file through XXXX. They completed the dispute in less than a day and have reported that the status of the collections has not changed. This is incorrect as the charges were paid off before the dispute was filed to remove the report from credit file. This file is reporting that my account was charged off again in the month of XXXX when in fact the balance was paid off on XXXX the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: NY

Complaint narrative:
Theres a XXXX charged that was refunded multiple actually that they haven't given me credit for. The last uber charge in question was the last straw I demanded for them to refund me back my money as im paying the bill for a charge that was refunded. Any email response is generic and don't attempt at all to provide a solution. 

I told them I will no longer pay for anything on the service until this is fixed now they are threatning to charge more fees and submit unpaid account to collection. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
My wife 's credit card with Barclays, for which I am an authorized user, was closed on XX/XX/2020 with no prior notice. She did not have a balance on the card and it was closed for non-usage. Once she became aware of the closure, less than a week later, my wife and I immediately contacted Barclays where they informed us that it could not be reopened and suggested that she reapply. Barclays stated that one notice was sent informing us of the upcoming card closure, a notice we did not receive. The unreceived notice should not come as a surprise because of the current pandemic, it was at the height of the holiday season coupled with known issues with USPS. Simply reapplying would not be sufficient because my wife loses all the positive history she has built on her credit reports when they hastily closed the card and that can not be regained on a new card. I attempted to contact upper management with limited success via email. I sent emails to XXXX XXXX and XXXX XXXX with Barclays. I received a response from the Office of the President at Barclays who was overseen by XXXX XXXX. The response indicated that further correspondence would continue through XXXX, which provides mediation software. The email that I used was not compatible for XXXX so I reached out to Ms. XXXX to see if the resolution could simply be sent to another email address of mine. Ms. XXXX and no one else at their XXXX, Delaware location never replied to my emails after that moment. My wife and I still simply wish to have the card reopened with her continued history. If she had not been a minority and other protected classes I severely doubt her card would have been 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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, I called to inquire about my account because I was unable to use my accounts at a merchant. I was told that my accounts were closed for my protection because of a large number of purchases I made for my business at XXXX XXXX and some incidental purchases of gift cards. 

On XX/XX/XXXX, I received three letters from U.S. Bank indicating that all my U.S. Bank and Elan Financial Services credit card accounts had been closed. 

On XX/XX/XXXX, I sent a letter to U.S. Bank stating my concerns and requesting that my accounts either be reopened, or that I be paid for the rewards associated with the closed accounts. 

In late XXXX, I received a letter dated XX/XX/XXXX stating that U.S. Bank would neither pay my accumulated rewords nor refund the annual fee that I had paid. 

The losses U.S. Bank caused me through their adverse action are as follows : XXXX points awarded to my XXXX XXXX card, worth {$1100.00} when redeemed for travel at XXXX cent per point {$180.00} in rewards from my U.S. Bank XXXX XXXX XXXX XXXX, as of my XX/XX/XXXX statement {$400.00} annual fee I paid for the XXXX XXXX card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The company, Capital One, has been stating that I've had an account with them it was unsatisfactory and they will not accept my documents to show this was identity theft and not me. They will not issue me a credit card or a business credit card because of this. I have sent NUMEROUS documents to them for several years with no resolution.

Company response to consumer: Closed with non-monetary relief