vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
my mother, ex uncle in law, and my father in law all received calls from " unknown caller '' they don't say who they are with. They say this message is intended for XXXX XXXX ( I have not been XXXX in 7 years ) they also give an address that I have not lived at for over 3 years. My current address is not hidden. I finally got a voicemail from them today. Number left was XXXX, reference # XXXX. I called the number, was not answered with a name of the company, only a persons name. Transferred to a supervisor who was extremely rude. Telling me it is my fault for not letting XXXX XXXX know I moved 3 years ago. My number has never changed & have not been contacted by them. Nor did I ever receive mail from them, even being forwarded to my new address. I called Midwest Recovery who is on my credit as the collection agency for XXXX XXXX. Talked to a very helpful man who told me that they no longer had the account but that if a company was threatening to serve me with a law suit over a debt and they weren't on my credit that it seems really sketchy. This account was opened in XX/XX/2011. I would have no problems with a settlement amount, however I won't be threatened by a company trying to serve me a law suit for something that I was never notified about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I would like to file a complaint against the noteholder and servicing company for the mortgage on my primary residence. 

Im attaching supporting documents and letters for review as well. I believe I am a victim of mortgage fraud from XX/XX/XXXX and am still suffering from that experience. I filed for chapter XXXX bankruptcy in XX/XX/XXXX and the since the house was my primary residence it was discharged in the bankruptcy. 

I have been trying to get a loan modification for over 5 years that would bring the mortgage amount to at least to the fair market value. 

One of the issue appears to be valuation reports sent to me by the lender. The reports are biased in favor of the note holder. The comparables used are extraordinarily high and located in a much more desirable areas. They show an appreciation of over 33 % in 18 months which is impossible. 

I have made three monthly payments and each time the lender has returned them. They are claiming Im behind in my payments even though I have sent them in. 

More recently, SPS has retained an attorney and threatening to foreclose on the property. They offered a payment plan that was too exorbitant given my income. I have sent in the last three payments and they keep sending them back. They are demanding a lump sum of over {$29000.00} instead of agreeing to a loan modification with affordable month payments. 

Please refer to the attached letters and documents that show all the issues and correspondence from the loan I am reaching out to anyone that can help me resolve this issue since I do not want to lose my home. We really need the noteholder to agree to a loan modification so that we can have monthly payments affordable with our income as shown on our tax returns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Perfection Collection
State: NM

Complaint narrative:
The representative called us and presented himself as a " mediator '' and discussed arbitration proceedings. When asked if he was a court-appointed mediator, and if not, what company he worked for, he avoided the ( repeated ) question, he quickly hung up. It took two call backs for them to identify themselves as " XXXX XXXX, '' a debt collection agency. They were attempting to collect a debt owned by Perfection Collection, which was originally owned by a security company, XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I noticed an unauthorized transaction of {$470.00} pending on my account. I called PNC and told them I did not authorize that transaction, so Im requesting that they not pay it. They said there is nothing they can do until the payment is posted. I waited overnight for the payment to post, and hoped they would have listened to my request, ESPECIALLY BECAUSE I DID NOT HAVE ENOUGH MONEY IN MY ACCOUNT TO PAY THE TRANSACTION. Any reasonable person would have thought that if the customer called in about the transaction, and said they didnt authorize it, AND there is NOT SUFFICIENT FUNDS TO PAY THE TRANSACTION, AND, the BANK HAS THE DESCRETION OF RETURNING THE ITEM, as they have done in the past, why would the bank choose to go ahead and pay it with THEIR FUNDS,, then CHARGE ME ALL KINDS OF FEES, and put my account into a state of overdraft. 

PNC HAS THE DESCRETION OF EITHER PAYING OR RETURNING AN ITSM, FOR WHICH THERE IS NOT SUFFICIENT FUNDS. PNC CHOSE TO PAY IT, EVEN AGAINST MY WISHES, WHICH THEY KNEW ABOUT BEFORE POSTING THE TRANSACTION. 

I called and filed the dispute after the transaction was posted and the bank told me they can not do any conditional credit until the 10 days it takes to process the dispute, while PNC Bank will charge me DAILY fees until they resolve the dispute! Now ALL my scheduled transactions will be returned, including my car insurance, just because PNC decided to use their funds to pay a transaction I told them I did not authorize, and there was no money in my account to pay it and my account is messed up. 

PNC could have issued the conditional credit, and I could have deposited the smaller amount the account would have been overdrawn by, and my account would have been fine. Now, I do not have the use of my account because PNC decided to use their money to pay a transaction I alerted them about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$1600.00} THIS ACCOUNT IS NOT MINE I MAILED A IDENTITY THEFT VICTOM COMPLIANT AND AFFIDAVIT, XXXX AND XXXX   ALREADY REMOVED FROM CREDIT REPORTS JUST EXPERIAN IS HOLDING ON TO THIS ACCOUNT, I WANT THIS ACCCOUNT DELETED OR REMOVED FROM CREDIT REPORT ASAP.

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 2018-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Had a loan several years ago with this company & was unable to pay off due to financial hardship. I havent received any correspondence from them & then started getting several harassing calls for the past week from different numbers.I figured they were fraudulent since there were so many & no voicemail, until today. Before I could call them back they had contacted my family members to devulge personal information about me & claimed they were from the XXXX County Sheriffs office & were coming to my family members house to look for me. This cant be legal. This is going overboard. I called them back earlier & it was the same information my family member gave me so I know they are the ones. They said their company is XXXX or XXXX & they are representing XXXX XXXX. They also said it is their locator officer that was impersonating the Sheriffs officer that called my uncle! 
They used several numbers ... XXXX XXXX, XXXX. They claimed my case number is # XXXX XXXX XXXX but couldnt provide me with substantive information. I told them that I would not do any transactions over the phone & they further threatened me with legal action. I provided them with my address so as to send any other correspondence by mail & also asked them to stop threatening my family members. Please look into this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I received a letter on an old debt that is out of the statute of limitations for Collections in XX/XX/XXXX. I sent the debt company a certified letter within 30 days advising to stop all communication with me and the address about the debt. This debt is not on my credit report. The company forwarded the debt to their parent company who sent out another letter with a summary of the verification of the debt. This information was not requested in the stop communication letter. This debt originated in XX/XX/XXXX, was charged off in XX/XX/XXXX and acquired by the current company on XX/XX/XXXX. I am not aware of all the statute of limitations, but I still assert this debt is old and can not be collected. I am not sure how to respond to the latest letter from XX/XX/XXXX. 

Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX XXXX have asked the current banking institution ( Bank of America ) to remove negative reports from the XXXX  database. 

For the past two years I have been denied opening a checking account at any financial institution. It is detrimental for me and my family. I can not pay bills on time or make purchases because I have no bank account. I want XXXX to remove this negative report. As an American I have the right to have a bank account.

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 2018-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I contacted my auto lender to request that I receive monthly billing statements with payment coupons, after discharge of a personal bankruptcy. I explained to the lender 's agent that the USBC 's Federal rule against Debtor contacts are extinguished upon entry of an Order of Discharge, and that issuance of monthly loan statements should have already resumed. The lender has refused to provide updated payment application information, and have refused to accept my written request for monthly auto loan statements, with payment application information, current payoff amounts, and other information required to be disclosed in auto loan statements.

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 2018-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
On Monday, XX/XX/2018 I went into XXXX  XXXX in XXXX XXXX to purchase a XXXX XXXX. Before going to the dealer I had already gotten approved for a car loan with XXXX XXXX XXXX for 60 months at 2.64 % for $ XXXX. After finalizing the price on the car and trade-in with XXXX XXXX and XXXX XXXX I was provided a credit application from the dealership through Toyota. I declined as I informed them from the beginning that I had already obtained financing through XXXX. They came back a few minutes later with the application claiming that I had to fill-it out as they legally needed to collect that information, but assured me my credit wouldn't be run ( I was still financing through XXXX ). This morning ( XXXX XXXX ) I received an alert from a credit monitoring service that two hard inquiries had been processed with XXXX XXXX and XXXX XXXX XXXX  through XXXX. I called XXXX  XXXX spoke to XXXX   who put me in touch with XXXX ( one of the finance guys ), I told XXXX how I upset I was, he told me XXXX had entered the inquiries, I told him to have XXXX XXXX call me. In the meantime I emailed the GM, XXXX XXXX outlining what took place and I've received no response as of yet. XXXX XXXX then called me back shortly thereafter and told me he was doing me a favor trying to get me a better rate. I informed him that he wasn't doing me a favor and that he had no right to run my credit. He told me that it didn't hurt my credit, which is factually inaccurate based upon my conversation with XXXX at XXXX  this morning. XXXX at the end claimed ignorance claiming he just got here and did his job. XXXX XXXX and every person I dealt with their used fraudulent inducement to get me to fill-out that application knowing all along that they were going to run my credit and try to gain the financing business. My credit has been damaged due to this fraud and they need to make restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have spent countless hours on the phone, and emails, and tweets, and no one can seem to help me - I just get " sorry, we don't know, we'll let you know if anything changes '' - I am out of ideas, so I am trying the CFPB. I pay $ XXXX/year fee for my Sapphire Reserve card. This allows me a 1.5x redeem multiplier on travel. I have nearly XXXX points I wished to use for travel in XX/XX/XXXX ( ~ {$3000.00} in travel rewards ). I try to be very cordial on the phone, but I am at my wits end. This is easily the worst customer support situation I have ever encountered in my life. I have attached a detailed summary of interactions with dates/times/events which I have been compiling in the zip file, it is titled events.txt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2018, Bank of America reversed {$740.00} of credits and any bank fees reversed given to me, XXXX XXXX for unauthorized transactions which occurred on XX/XX/2018 and went through on XX/XX/2018. On XX/XX/2018, I assume that on XX/XX/2018, I lost my bank of america debit card at XXXX XXXX  # XXXX. Someone stole my card and used it at the XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX 's. The transactions are listed in an attached copy of my bank statement with Bank of America and are listed 1 to 10. I clearly informed the bank representative that I did make a purchase at XXXX XXXX when I lost my card ; I was not sure how I made the purchase. The purchases put my account in the negative. I contacted Bank of America when I was notified my account was below XXXX. I placed a stop on my account, I requested non of the purchases to go thru. The bank refused and offered to provide fraud credits. The bank cancelled the card and sent me a new one. The person with the card continued to use the card and some of my electronic regular payment went through. The bank issued credits. On XX/XX/2018 the bank reversed the credits. The reduction of my account is not allowing me to pay my rent. The bank states that I did business with XXXX  and does they are not honoring the credits. I read that with stolen cards that the bank can only charge me {$50.00} for unauthorized transactions. Bank of America could have cancelled the transactions until they were provided with proof from the merchant. The transactions were pending when I contacted the bank. They allowed the fraudulent transaction to be processed as purchases by 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 monetary relief
Consumer complaint received 2018-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was involved in a pretty bad scam with Capital One, Im a XXXX year old who works full time and I am living on a dream here. 
I was sent XXXX on XX/XX/XXXX from XXXX XXXX all went without fail and I was able to retrieve the money and everything went smoothly. Then on the XXXX  XXXX sent me a sum of XXXX and gave me proof and information which I could show and prove of the transaction being authorized by said person. 
However, Capital One froze all my accounts and wont let me access the money because of some type of UN-authorized transaction but when I spoke to them they could not and still cant tell me any information on why this might be when I have proof of the instructions givin to me and the prior instructions on the XXXX running smooth and according to plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize you to have access. I intend to pursue filing a legal complaint unless they immediately deLete this item

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I Sent Certified Letters To The Company To Properly Verify And Validate The Accuracy Of The Account That's Showing On My Credit Report ... I Never Received Any Proof Of The Account As Being Accurate ... They Sent Email Or Letter Saying That The Account Was Verified But Not Once Send Me Proof That I Requested ...

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
MORTGAGE COMPANY : LoanDepot UNFOUNDED 30-DAY LATE REPORT FOR XXXX, XXXX, XXXX : This company reported erroneous 30-day late payment often this year ; running our FICO scores. 

POOR COMMUNICATION ( XXXX & XXXX, 2018 ) : Improper communication process on the problem in the clearing of the automated payment resulting in 30days late. Didn't inform the customer on the returned check in XXXX. When realized, the payment was already late. In XXXX, presented payment twice. Messed up the account. Resolution resulted in 30days late. 

DENIED OF PAYMENT WHEN THE COMPANY WAS ACTUALLY PAID LEADING TO 30DAYS LATE : This company was paid by XXXX on the XX/XX/18 but called on the XX/XX/18 that they were NOT paid. Customer made 2nd payment to prevent 30-days late. 

COMPANY STAFF INSENSITIVE TO CUSTOMERS ' CONCERN MAKING LIFE UNBEARABLE FOR CUSTOMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am showing this account several times on different reports but I am noticing once the account appears to be sold, the open date is constantly changing. This account originally appeared over 5 years ago so it is impossible for this account to just be opened XX/XX/2018. I do not feel it is right to keep reselling a debt and then changing the open date on it. This is a violation of the FDCPA and this is inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I open an account with american express but for some reason they decided to end the relationship and now they are holding on to my funds and don't want to return it nor refund it.american express national bank is holding my funds HOSTAGE and won't release the funds nor return the funds. I have contact them by phone and by mail and still no response.Please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX Asset Recovery called my work phone about collection. When I explained that it was my work number and that personal phone calls will get me fired he kept trying to continue the conversation.

Company response to consumer: Closed with explanation