vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On Friday, XX/XX/2019 at XXXX XXXX, I wired {$4400.00} from the Western Union satellite location at XXXX XXXX  XXXX in XXXX, GA. I paid extra for an urgent transfer which should have been credited to my account within 24 hours. My bank never received the money. I contacted them and Western Union multiple times between Friday and Wednesday of the following week. Western Union repeatedly changed their story about what happened to the money. One operator said the money went to the wrong bank. One operator told me the money was never sent. One operator said they would get it back within 24 to 48 hours. Another said there was no guarantee whether they could get it back. After talking to a supervisor and having an officer from my bank attempt to reach out to them, per his instructions, with me on the line, they stopped answering my calls and deleted the transaction from the tracking system. I have emailed the company through their corporate site. In the meantime, this has been financially devastating for me and my family. without recourse, we have no way to recoup those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a statement/bill from Capital One Master Card for a {$16.00} Fast Card Fee. I have not used this card in approximately 10 years and I thought the account was closed. I called Capital One and tried to discuss the XXXX charge as well as closing this account. They would not talk to me about the XXXX charge except that I needed to pay it. I did get them to closed the account, I think. Although they did not give may any name or code or receipt for my records to confirm the closing of the account. 

When I asked again about the {$16.00} charge they then told me they could not discuss my account as it was restricted since I requested it to be closed. 

I have not charged anything on this account. I have not received or activated the alleged card they are charging me {$16.00} for and they will not discuss the matter with me either other than to tell me to pay the fee. 

I do not feel they should be able to charge me for something I did not request not did I ever agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both Select Portfolio Servicing ( SPS ) and XXXX ( XXXX ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although XXXX did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized SPS as their attorney in fact ; according to the documentation SPS provided. Either they did or did not authorize SPS as an attorney in fact. If they did, they are culpable. I would like written confirmation from XXXX stating in the affirmative the fact they did or did not authorize SPS as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX AOM ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX SPS references in the XX/XX/XXXX XXXX. The actual address is unknown as it is not listed in the mortgage document referenced by SPS. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both SPS and XXXX are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than SPS or XXXX, as it is evident they lack the integrity in their ability to investigate these matters independently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: CITIBANK, N.A.
State: NV

Complaint narrative:
For no apparent reason XXXX  XXXX XXXX closed 4 credit cards. All of the cards were either paid in full or the minimum payments required had been met. These cards were never used over the credit limit. When card # XXXX was closed by Citi Bank I had cash rewards of {$390.00} on the XX/XX/18 statement and had made qualifying purchases of {$640.00} on this card which had not been credited to my cash rewards. The company refused to pay me the cash rewards which I had accumulated at the time they closed my card - without any prior notice to me. I paid the balance due on this card in full the month following them closing this 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 2019-10-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1. XXXX/XXXX/XXXX ACCT # XXXX 2. XXXX  XXXX XXXX ACCT # XXXX 3.XXXX XXXX ACCT # XXXX 4.XXXX XXXX XXXX/ XXXX ACCT # XXXX 5. XXXX XXXX XXXX ACCT # XXXX 6.XXXX XXXX XXXX ACCT # XXXX 7.XXXX/XXXX XXXX ACCT # XXXX 8.XXXX/XXXX  ACCT # XXXX 9. XXXX XXXX XXXX XXXX ACCT # XXXX # XXXX # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 11. XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: NC

Complaint narrative:
I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1. XXXX/XXXX/XXXX   ACCT # XXXX**** 2. XXXX XXXX XXXX ACCT # XXXX**** 3.XXXX XXXX ACCT # XXXX**** 4.XXXX XXXX XXXX/ XXXX ACCT # XXXX**** 5. XXXX XXXX XXXX  ACCT # XXXX*** 6.XXXX  XXXX   XXXX ACCT XXXX XXXX**** 7.XXXX/XXXX XXXX ACCT # XXXX**** 8.XXXX/XXXX ACCT # XXXX**** 9. XXXX XXXX XXXX XXXX ACCT # XXXX*** # XXXX**** # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 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 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I checked my credit report being that I'm wanting to purchase a home however I there is Navy Federal Account that is reporting on my XXXX account in which I disputed directly with Navy Federal and they sent a letter stating they would remove it 3 weeks later i checked my report it was removed however this is now 6 months later I check my report again and to my surprise Navy Federal is reporting on my credit this is outrageous and goes against the FCRA. I'm demanding this fraudulent account be removed indefinitely or I will have my attorney sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am only now learning that TransUnion has been charging me {$20.00} per month since XX/XX/2017 for a TransUnion account. They claim I must have signed up for free trial and then failed to cancel it, however there is no confirmation email stating that I ever signed up for this and no monthly receipts ( or any other document indicating to any effect that I have ever been charged ) sent to me at any time.

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email from Capital One about a store credit card which the company has bought. The email offered payment options to cease the 'charge off ' process on the card to allow me to keep the account. I was referred to a toll free telephone number where I could make arrangements to pay in installments since I am not able to make the balloon payment. 

The telephone number is a fake, the person on the other line answers the phone in his home and claims to be a Capital One representative. I tried the call on two different phone numbers ; on the first phone call, I did not identify my name on the account and was not asked, then the person answering the phone asked for my DOB, when I asked to speak to someone else, the person transferred the call to a child. On the second call, the same man answered the call after taking the phone from the child, his wife was in the background and again they asked for my DOB. I hung up the telephone without giving out any more information. 

The problem is that my online account with Walmart.com hacked and then the same account was transferred to Capital One at a buy out - I was trying to prevent the 'charge off ' from happening, but apparently, I have been SCAMMED and am unable to reach Capital One to resolve this matter in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have few accounts on my credit file I have contacted the credit breau equifax I they are not trying to resolves this issue I have been fighting with them for a long time do to fraud on my credit I have placed a fraud alert and nothing is being done I even file a identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
We had some expected medical expenses which caused me to miss a payment in XXXX. I sent them an email letting them know I would make the payment XX/XX/19 ... in the last week from XX/XX/19 to XX/XX/19 they have called my cell phone over 20 times and I have talked directly to someone 3 times in the last 24 hours. The last young lady I spoke with I asked her why they were still calling me when I had already spoken to twice to them in the last 24 hours ... she told me that their Auto Dialer will continue to call me until the payment is posted and there was nothing they could do. I believe that is in violation of the FCC and CFPB regarding robo calls and the NPRM regarding debt collections. I have repeatedly explained that there was no way for me to make up the missed payment, and based on my previous good payment history I asked that the loan be re-written/re-financed or allow me to skip a payment. They stated that there was no way to do that and had no alternative to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Our complaint is with PNC home mortgage loan department, specifically with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX based out of IL and possibly Michigan from the phone numbers. We were referred to work with XXXX XXXX through our local PNC branch on XXXX of 2019. Initially everything was going smoothly and our credit report was ran and we received a preliminary pre approval, then wanted to get a final approval so that we could start looking for a home in a decent price range and were left with no answers from the senior loan office XXXX XXXX. We left messages sent emails with no response and it wasnt until we were able to connect with our local branch and speak with an employee there who the reached out to her supervisor and magically got a hold of XXXX XXXX. Upon speaking with XXXX XXXX we were told we could begin searching for our home and could use our preliminary pre approval to do so. We found a home rather quickly which then began the nightmare of working with this individual and everyone who we were told to contact for assistance and loan processing. We put in an offer on the home and it was accepted the same day and were told by XXXX XXXX that everything was good to go for a closing date of XX/XX/XXXX and even receive paperwork with this date so adjust our work schedules accordingly. Upon the acceptance of our offer and moving forward it has been nothing but XXXX. We receive emails for the request of further information needed and we left hanging with no phone calls from the lender to discuss this and when we call and leave multiple messages to the point where mailboxes are full, no calls are returned. When a call is returned it is always that more information is needed or that a mistake was made on the lenders end so we need to move the closing date out further. XXXX XXXX is the manager for XXXX XXXX, also never returns calls or emails, but XXXX admitted that a XXXX dropped the ball at one point in the process and it delayed things. Then XXXX admitted hat she submitted the wrong employment dates to the IRS and this is causing another delay. This individual has made this experience of home buying a toto also nightmare and disaster. Our realtor has reached out several time to our lender and left several messages with responses that are truly unexplainable from XXXX XXXX. Since every call is recorded I would love for someone to investigate what exactly is going on with our mortgage loan because this is unheard of. I have emails Ive send to everyone who is working on this loan and no reply. Purchasing a home should no be more than 30 days, when investigates you will find that this process has gone on for well over that and we still have yet to receive a final answer and are expecting our XXXX child in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both XXXX XXXX XXXX  ( XXXX  ) and HSBC ( Beneficial ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although HSBC did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized XXXX as their attorney in fact ; according to the documentation XXXX provided. Either they did or did not authorize XXXX as an attorney in fact. If they did, they are culpable. I would like written confirmation from HSBC stating in the affirmative the fact they did or did not authorize XXXX as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX XXXX ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX XXXX references in the XX/XX/XXXX AOM. The actual address is unknown as it is not listed in the mortgage document referenced by XXXX. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both XXXX and HSBC are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than XXXX or HSBC, as it is evident they lack the integrity in their ability to investigate these matters independently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: CITIBANK, N.A.
State: NV

Complaint narrative:
For no apparent reason XXXX XXXX XXXX closed 4 credit cards. All of the cards were either paid in full or the minimum payments required had been met. These cards were never used over the credit limit. When card # XXXX was closed by Citi Bank I had cash rewards of {$130.00} on the XX/XX/18 statement. Under terms of the Double Cash Card I should have received a 1 % cash back bonus for paying off the balance of the card ( {$17000.00} ) the following month. When combined with the existing credit of {$130.00} I should have received a cash back check for {$310.00}. The company refused to pay me the cash rewards which I had accumulated at the time they closed my card - without any prior notice to me. I paid the balance due on this card in full the month following them closing this 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 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
There is an unknown and unverified debt reporting on my credit report with all 3 credit bureaus. The collection compnay shows lvnc funding llc c/o resurgent. The address for that company shows XXXX XXXX XXXX XXXX, SC XXXX. The collection amount is showing {$96.00}. I have ever done any business with this company. I have reached out to the company by letter. On XX/XX/2019 a mailed a credit validation demand letter to try to obtain information as to why its reporting or where this debt originated from. I sent the company a priority letter with signature requested and a certified letter. Both letters have tracking. The priority letter with signature was delivered to the address above on XX/XX/2019 at XXXX. This letter has not been picked up from the post office. I also show the certified letter was delivered but on XXXX XXXX at XXXX. The company has not responded or provided me with any proof or documentation that this debt belongs to me. Both letters stated the company had 30 days from the receipt date to respond. I have received no response. In addition the letter stated until the requested information was sent validating I owe this debt, all collections needed to cease and desist. On XX/XX/2019, when I reviewed my credit report, I showed the company still continued to report the debt after receiving my letter. I do believe the letter, that needed signature has not been retrieved/ignored, as a deceptive tactic to continue reporting and trying collect on a debt. The reason why the company received the demand validation letter, is because i never received a letter from the company and the inaccuracy is damaging my credit.

Company response to consumer: Closed with explanation