vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I received an Annual Escrow Account Disclosure Statement dated XX/XX/2019 that listed our new mortgage payment as {$XXXX}. Originally, since our mortgage began in XX/XX/2019, our mortgage was {$XXXX}. After researching, it was found that the mortgage company had incorrect amounts for our tax amounts/escrow. The mortgage company listed our property taxes at roughly {$XXXX} when the correct amounts are just around {$1100.00}. I called them immediately and asked what I should do. They requested that I email them scans of the information I have. ( Note - They said I would receive confirmation that they received the correct information via email but in the first three times, and then the following two times, that I emailed information they requested, not  once have I received a confirmation. Throughout all of my emails, I have never received a confirmation even though they have the correct email for me on file and I double and triple checked the email they wanted me to send the scans to to make sure all was correct. ) So, I emailed them scans of our tax bills THREE times over the course of a few days, with no response. They confirmed that they received the information, only after I took the time to call them again, and that an adjusted bill would be sent in the mail. I then received an updated bill that listed our payment due for XX/XX/2019 as {$XXXX}. After more researching, I found that the mortgage company STILL has the incorrect amounts. I have now emailed a scan off an official Tax Certificate TWICE with no responses again. Per a phone call on XX/XX/2019, I was told that it would be resolved within a week or so. I called the next week on XX/XX/2019 to check on the progress and it was discovered that whoever I talked to on XX/XX/XXXX actually did not forward my information to the tax department and no progress was made. It was confirmed during the XX/XX/XXXX phone call that my information was indeed being sent to the tax department this time and the matter should be resolved within a week or so. I have since called XX/XX/2019 ( Three times on the same day since their phone system kept dropping my call while I was on hold for roughly 30 minutes EACH time ) and XX/XX/2019, and the only information the company will give me is that it has been forwarded to the tax department and that they are looking into it. I check daily to see if the amounts have been corrected and they are still incorrect, which reflects an incorrect mortgage payment amount.

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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been contacted by XXXX  XXXX  collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked XXXX  XXXX  collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is $XXXX. I have filed a legal complaint with XXXX  XXXX   XXXX  as well as the FCC and FTC.Today i received a notification that Portfolio Recovery has reported a negative account from XXXX  XXXX  for $XXXX. I have never received a debt verification or validation from the collections or how to dispute. Also, once Portfolio Recovery purchased the account from capital one, they voided any payment agreement in place as XXXX  XXXX has now been paid in full. I do not have a card account with portfolio recovery and they should not be contacting me to collect any debt that i do not owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NM

Complaint narrative:
On XX/XX/2019 @XXXX MDT - I called FedLoan Servicing at XXXX.I called FedLoan Servicing to enroll in the PSLF and FedLoan Servicing Agent stated I did not qualify because my loan type is not a Direct Loan.I qualified for PSLF under the following conditions:- I made 124 payments. - I have worked for Public Service for 16 years.- I qualify under the College Cost Reduction Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
To whom it concern, I have sent 3 letters to the collection agency to show me a contract that i have with company, and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I purchased a home with my ( at the time ) husband using a VA loan through Wells Fargo Home Mortgage in XXXX of XXXX in the state of XXXX. We were approved for the VA loan due to his XXXX XXXX status with the XXXX XXXX. I am not, nor have I ever been a member of the XXXX XXXX XXXX. We were divorced in XXXX of XXXX, and per our divorce decree, he was to be responsible for the house that we purchased and was to take over the mortgage payments. At the time of our divorce in XXXX, I left the state and moved to XXXX ( I no longer occupied the house we purchased together since it was his per the divorce decree ). The house was foreclosed on in XXXX of XXXX ( unbeknownst to me ) as he apparently did not make the mortgage payments as was dictated in the divorce decree. As of XX/XX/XXXX, Wells Fargo Home Mortgage is still reporting negatively on my credit report due to that mortgage being foreclosed on. I have sent them copies of the divorce decree multiple times, and even filed a dispute with them, however, they refused to remove the information from my credit report.

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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was told to send fax with the police report and documents of evidence that i am a client that have fraud in my credit and i already did investigations with other company and that i had fraud i was told to send like 2 pages with that evidence and i did i end it true certified letter and also i send it true fax i have evidence it was send and they denied that they did not receive nothing so i decide to send it bye certified mail and they dined that it was not receive so this company is not helping me at all and they want to charge me something that is not mine i send them police report my identification and evidence of other company that i had fraud before i am afraid of this i am not sending more documents with my information cause it have my personal adress and my name picture and more so i need this company to stop lying cause this is affecting me.

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 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I have a Mortgage Loan on my Primary Residence. After changing many hands over the years, it is currently being serviced by Selene Finance. I fell behind on Mortgage payments, for various reasons, chief among them being our Business downturn since XXXX and my XXXX   XXXX XXXX and poor health. I have submitted several Loan Modification Packages over the years. The last of such packages was submitted to Selene Finance on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been contacted by capital one collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked Capital one collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is $XXXX. I have filed a legal complaint with XXXX XXXX XXXX as well as the FCC and FTC.Today i received a notification that XXXX  XXXX  has reported a negative account from capital one for $XXXX. I have never received a debt verification or validation from the collections or how to dispute. Also, once XXXX  XXXX  purchased the account from capital one, they voided any payment agreement in place as Capital One has now been paid in full. I do not have a card account with XXXX  XXXX  and they should not be contacting me to collect any debt that i do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: OR

Complaint narrative:
On XX/XX/XXXX, of 2019, I sent a letter to Portfolio Recovery Associates on account listed below requesting balance. 

Case # XXXX PRA File No : XXXX Original Creditor : XXXX XXXX  XXXX Original Acct Ending # XXXX XX/XX/2019 I have a letter from Portfolio Recovery Associates replying to ledger request for all payments & balance for this account. The payments amount came to XXXX as of XXXX. I have continued to make payment payments of minimum XXXX as agreed upon per mediation and stipulated agreement. 

On XX/XX/2019 in my XXXX  PO Box a letter dated XX/XX/2019 from Portfolio Recovery Associates for a settlement offer for XXXX. The balance details an incorrect as you will see by attached letter dated XX/XX/2019 requesting payments and balance. In addition, you will see on the mailed envelop is sent to my previous XXXX  address where I no longer reside. I have continued to make payments per stipulated agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TX

Complaint narrative:
After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s )  to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: IN

Complaint narrative:
They do not answer when you call and this game of phn tag gone on too long. Asked for phn appt and being denied by this XXXX a mgr at above number. They will not reverse charges on a fraudulent merchant I dealt with an atty who was hired to do a job and he failed to do it and I had to hire another atty and just did yesterday. Need original atty charges charged back to 1st atty so can pay new atty to do the work that 1st atty admitted needed done but he failed to do it in 2 mths of charges. I gave him enuf time to do the work and all work now is getting redone..Need to dispute original {$5000.00} CHARGE AND 2ND CHARGE OF {$6600.00} ... ALL IS GETTING REDONE BY ATTY XXXX XXXX CHARGED YESTERDAY ON THIS CARD.YOU MAY CONTACT THEM TO SEE ITS REDOING WORK ON A CHILD CUSTODY CASE.

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 non-monetary relief
Consumer complaint received 2019-12-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I purchased a home with my ( at the time ) husband using a VA loan through XXXX XXXX XXXX XXXX  in XXXX of XXXX in the state of XXXX. We were approved for the VA loan due to his XXXX XXXX status with the XXXX XXXX. I am not, nor have I ever been a member of the XXXX XXXX XXXX. We were divorced in XXXX of XXXX, and per our divorce decree, he was to be responsible for the house that we purchased and was to take over the mortgage payments. At the time of our divorce in XXXX, I left the state and moved to XXXX  ( I no longer occupied the house we purchased together since it was his per the divorce decree ). The house was foreclosed on in XXXX of XXXX ( unbeknownst to me ) as he apparently did not make the mortgage payments as was dictated in the divorce decree. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX  is still reporting negatively on my credit report due to that mortgage being foreclosed on. I have sent them copies of the divorce decree multiple times, and even filed a dispute with them, however, they refused to remove the information from my credit report.

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 non-monetary relief
Consumer complaint received 2019-12-10 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: FL

Complaint narrative:
Capital One Bank USA NA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting  agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Today XXXX I went to my local Atm to withdraw money to pay so bills and it said call the bank. So I said what and I looked at my emails and say that my deposit hit the bank and called them. They said cause they had unusual activity and it was a purchase at XXXX drive thru. I said for that you shut down the card for XXXX cents when I have XXXX in the account and that purchase was four days ago. They said they unlocked my card so I hung up went to atm and it still wasn't working. So I called back again they said you at atm try I did still nothing and we is that 5 times cause agent on phone said that to me so I did.then I was transferred to a supervisor and she wasn't nice said well we need you to go to bank and verify your identity again I said again. So I was driving there and just checked the online app again and it wasn't working so I called bank of America and they said we closed your account I said why and where my money they said they did it cause of business and my money will be mailed after they are done. That was my rent it can be 6 to 8 weeks they said I can t afford that I am not rich and I need it back they hung up on me I called back and they said not there problem.thank you 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 monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$XXXX} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my XXXX XXXX, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$XXXX} promotional value would appear in my account. Apparently the promotion had expired ; however, I did not know it had expired at the time I opened the account and the website link advertised on the direct mailer made no indication that the promotion had expired. I opened the account under the impression that, and for no other reason than, I would be receiving the {$300.00} promotional credit. Now, nine months later, TD Bank refuses to honor the promotion even though there were numerous instances in which they could have told me that the promotion was no longer valid. My money has been tied up in the TD Bank account for nine months, accruing almost zero percent interest, when it could have been earning interest in any other account. So, by TD Bank 's not honoring their advertising promotion, I have lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have contacted XXXX  directly, as well as, XXXX, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of $XXXX. This is heavily affecting my quality of life.  Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim.  Both of them just send form letters that avoid the request to show proof.  I need their ridiculous paper shuffle to stop.  By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TX

Complaint narrative:
After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s ) to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security  questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I used XXXX, which is built in to the Capital One app to send {$XXXX} for a deposit on a puppy on XX/XX/2019. 

The breeder then went dark and after some internet sleuthing I realized the litter was never born and I would not be getting a puppy as promised. Based on the breeders on contract if no dogs were born my deposit was supposed to be refunded. I sent multiple calls, texts and emails to the breeder to try and recoup my payment but she has never responded. 

I then filed a dispute with Capital One on XX/XX/2019 who clearly states in their app that XXXX is a " Safe and Secure '' way to send money. However, my dispute was denied simply because the transfer went to who it was supposed to go to. Even though I was scammed and never received the discussed goods. I tried to reopen my dispute with more information and documentation to support my claim but Capital One said it could not be looked into or escalated any further and there decision was final. 

I also tried to contact XXXX for a resolution but they only have an automated system which directed me back to Capital One. This service is atrocious, and that fact that it is BUILT-INTO the capital one app should certainly afford me at least the same consumer protections that are accompanied with XXXX or other money transfer services. 

This app knowingly and willingly supports scam artists and Capital One seems to not care and continues to use it within their platform. This is very bad for consumers and and very bad for both XXXX and Capital One.

Company response to consumer: Closed with explanation