vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Repeat calls to my place of employment after being asked not to call. Every time I request documentation on the debt, they hang up and call back later XXXX XXXX states she's a locator service on behalf of XXXX XXXX and that if I don't pay, I will be arrested. When I asked for documentation regarding the debt, first she gave me a claim # XXXX and a phone number to call XXXX. I called the number and presented them with the claim number and asked for a paper copy to be mailed to my address to ensure it's validity. I was told a bunch of things regarding a release that I have no clue about. XXXX XXXX calls an hour later and states she hasn't received a release from XXXX XXXX and she needs serve me documents. As I attempted to provide/verify the address she already had, she hung up the phone. Next day, XXXX calls my job and is transferred to me. She asked to speak with the Director of HR. I initially transferred the call but it came back to me and that is when she identified herself. I told her she can't call my work phone and I tried to provide the address for the documents again. She hung up and called back and eventually got in touch with the Director of HR. She left him the same information she previously gave me, XXXX XXXX-claim # XXXX. After I received the message, I called and talked to a XXXX who stated they have nothing to do with the locator service tactics and they could not stop the locator service from calling unless I set up a payment plan. At this point, my wife ( 6 ) has received the same calls from XXXX XXXX and my supervisor ( 3 ).

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 2019-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
I am behind on my payments. I have been making a steady payment monthly though. Suddenly this month they are refusing to take a single payment that does not include all of the back balance. Refusing the payment will put me a few days from the time they can start a foreclosure process. They wont let me set up future payments to pay it off, wont let me set up a repayment plan. It's all or nothing without warning all I keep hearing is that it's their policy and has been for years yet I made the payment last month without issue and every month before that. The rep I spoke to was cold and refused to even review the notes on the account stating they have taken the payment in the past. It's very clear this company does not want people to keep their home, they would rather push you in to foreclosure than work to seek a resolution.

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 2019-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I applied for a HSBC XXXX XXXX account on XX/XX/XXXX, and was approved online ( doc attached ). My initial {$XXXX} deposit was processed the same day as well ( doc attached ). I was able to set up an online banking account as well after the application process. 

On XX/XX/XXXX, I deposited a check for {$XXXX} through the mobile app. I attempted to log into my account on XX/XX/XXXX to see if my check deposit was received since I had not received any confirmation or any updates on the check deposit status. When trying to log into my account, I received a message saying my account was suspended. I called the listed phone number of 1XXXX ( screenshot attached XXXX to get this resolved. After XXXX minutes on hold, I was able to speak to someone who then attempted to transfer me. I called again and was on hold again for XXXX hour and XXXX minutes and was given another phone number to try. I called the phone number and waited for XXXX minutes until an agent was able to give me yet another phone number to try. I attempted to get help through the HSBC social media team and chat help on the website, only to be told again to call. 

I continued calling the numbers again on XX/XX/XXXX without any resolution, but was able to get clarity on who to try to contact. I finally was able to reach the department at 1XXXX on XX/XX/XXXX after waiting on hold. I received word that my account was suspended and I needed to send verification even though my account had been approved online! I was never notified of any of this until I wasted hours trying to gain access to my account! 

I submitted the information that was asked of me ( doc attached ) and waited for confirmation. However, I did not receive confirmation after waiting XXXX business days as the rep had told me over the phone. I called again on XX/XX/XXXX to confirm whether or not things have processed. After another hour on the phone, I was able to speak to a rep who looked for my documents. He said he would process everything immediately and that I should have access restored after XXXX minutes. However, my account access has not been restored. Every attempt to log into my online banking is met with the message that my credentials are suspended ( screenshot attached ). I attempted again to contact HSBC for help on the afternoon of XX/XX/XXXX so that I would be able to regain access to my online banking. However, after another XXXX hours of waiting on hold and attempting to resolve issues with the chat team, my online access still has not been fixed. 

Today, XX/XX/XXXX, I have been on hold on the phone again for another XXXX hours trying to reach someone at 1-XXXX. I called the general customer care line to attempt to resolve my problem, only to be referred back to 1-XXXX. I am still waiting for someone to resolve my online banking problems so that I can access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
CHOICE RECOVERY INC Original creditor : XXXX XXXX XXXX XXXX Open Balance : {$200.00} Remarks : Account information disputed by consumer, meets FCRA requirements verified information with insurance and they have a paid claim on file for said service : have disputed this information and have never received a detailed explanation of debt : i have a {$0.00} balance from original creditor and they advised all claims on file and all cost share have been paid by myself/insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
Repeat calls to my place of employment after being asked not to call. Every time I request documentation on the debt, they hang up and call back later XXXX XXXX states she's a locator service on behalf of XXXX XXXX and that if I don't pay, I will be arrested. When I asked for documentation regarding the debt, first she gave me a claim # XXXX and a phone number to call XXXX. I called the number and presented them with the claim number and asked for a paper copy to be mailed to my address to ensure it's validity. I was told a bunch of things regarding a release that I have no clue about. XXXX XXXX calls an hour later and states she hasn't received a release from XXXX XXXX  and she needs serve me documents. As I attempted to provide/verify the address she already had, she hung up the phone. Next day, XXXX calls my job and is transferred to me. She asked to speak with the Director of HR. I initially transferred the call but it came back to me and that is when she identified herself. I told her she can't call my work phone and I tried to provide the address for the documents again. She hung up and called back and eventually got in touch with the Director of HR. She left him the same information she previously gave me, XXXX XXXX-claim # XXXX. After I received the message, I called and talked to a XXXX who stated they have nothing to do with the locator service tactics and they could not stop the locator service from calling unless I set up a payment plan. At this point, my wife ( 6 ) has received the same calls from XXXX XXXX and my supervisor ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Letter sent to PHH relationship manager To Whom It May Concern : This letter is to inform you of a scam currently being conducted under the Ocwen name. Since PHH is a subsidary of Ocwen, it is in your best interest to address this issue. 

In XXXX I received a call from a relationship manager named XXXX XXXX. He informed me that even though I had a trial modification approval, I would have to send in an additional {$XXXX} to reduce my escrow amount. I was to send it via XXXX to a 'XXXX XXXX XXXX XXXX. It was sent on XXXX/XXXX/2019. 

Then the story continued, to the next 3 months of trial modification payments. The last one being made on XX/XX/XXXX. 

On XX/XX/XXXX I called PHH to ask when my account would be updated, only to be told I had been scammed and my only option was to apply for another loan modification. 
Needless to say, I am very upset! ( I am proceeding with another modification, and have sent in all the required documents. ) However, today at XXXX : XXXX I received another 'Ocwen XXXX call. And indeed, it was XXXX XXXX XXXX. He can be reached at XXXX. However, he does call me on the Ocwen number XXXX. He stated that my credit is bad, and I need to send in another payment, etc etc. When I told him what I really thought, and that he was / is a scammer, somehow, the call faded away. I will never send him another dime. 

So these are my questions : If this is an ongoing scam, when are you going to stop it? 
He obviously is an Ocwen employee, or has access to Ocwen information, as he has the information on my account. 

While this was taking place in XXXX, XXXX, XXXX and XXXX, I repeatedly checked my PHH account, and had no access to it, until approximately the middle of XXXX. So I believed him when he said after my payments were complete, it would be updated. 

He obviously knew about the window of no current information between the Ocwen and PHH transfer. Perfect opportunity for a scam! 

He would not allow me to talk to anyone else. He was appointed as my relationship manager. 

My mistake was to believe him. But what else could I do with no information online, and no access to PHH. :??? 

I have copies of all the transactions. I will be faxing them to the missing payments and the research departments, along with this email. 

This involves over {$XXXX} which obviously, since our loan is in default, we can not afford to lose. 

I will not be overlooking this matter, and will be anxiously waiting for action on Ocwen and PHH 's part. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX VA XXXX XXXX/XXXX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am an international student, on XXXX. I walked in XXXX XXXX Boa, XXXX, VA, to close my account and pay my credit card. because at that time, XXXX will refund me about {$150.00} to my cash reward card. I asked agent helped me to do the all of process which included close the checking account and pay the credit card, also I told them I will get refund later, so I will pay the amount except {$150.00}. they said ok, and helped me. I paid third times, one is {$880.00} to the travel reward, one is {$350.00} to cash reward, and last one is {$80.00}. the agent use my check to helped me to pay after they close my account. what the money left, they did caculate and gave me the cash. also, they gave me three receipts, which was {$350.00}, {$880.00}, {$80.00}. when i back to my country, I found that there was a charge in my credit card, which is about $ XXXX {$25.00} ( check fee ). I tried to connect the local agent who helped me, her manager really rude to me, he said I did not pay the {$350.00} to my cash reward card. but I told him I had receipt to prove. he said because my English is bad, they can not understand, and my recepit could not provide anything. and then he hang off the phone and refuse to help me. my friend walk in Boa and talk to them, the manager lies to her, even though I send photo to my friend and show to them. at the end, he said because my English is not good, the agent could not understand and cancel the {$350.00} transaction. but at that time, they said they already helped me to do all of transfer, and gave me the receipts, said all set. the manager was a lier and discrimination to the international student. all of fault is foreign people has a bad English. if he could not understand, why don't he ask me again!? why he let me think he is professional bank agent. also, i took about 10hours to call the boa, always have to wait about 1 hour to get customer service. and now, because I already close my checking account, it is really inconvenient to fix this problem.

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 2019-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANCORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX I deposit a check to pay my bills I had enough money to pay my bills But Cadence Bank held the check and caused over drafts on to of my bills all together that cost me about XXXX XXXX dollars that I needed I went to the bank to request that I be refunded my money that has not happened. Cadence is bad about not refunding your money back I have had several incident where money was taken out of my account and cost overdrafts and Cadence never refund even for reversals that not your fault I complained about the ATM machine shorted me XXXX and the bank never refunded me that either Cadence Bank is very bad by not giving you your money back. I have a fixed income and they could care less.

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 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
PMT Solutions was given a contract to collect a debt from XXXX XXXX XXXX which I had no knowledge of and was able to easily resolve with the XXXX after calling them. However the collection agent " XXXX XXXX '', which I'm guessing is a pseudonym and possibly a FDCPA violation, was extremely rude, made no effort to understand the situation and instead chose to mock me and assume I was totally at fault despite having perfect credit and never missing a payment on any account. He also chose to pursue a personal email and cell phone number ( most likely in violation of the FDCPA and the TCPA ) before even trying official business contact methods which would have worked.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This is a Complaint about Comenity Bank. 
I have a Master Card with Comenity Bank. I pay the balance owed thru my banks online payment system. XXXX Bank. Comenity does not take electronic payments. Comenity requires that the bank send them a physical check. I have paid Comenity bank online 4 times this year via online payment thru XXXX bank and have received a late fee of {$XXXX} every time. I authorized payment thru my online banking typically 5 to 10 days before the due date of the credit card My complaint is that Comenity is purposely not crediting my account until after the due date so they can charge a late fee and interest. They are purposely not processing receipt of payment so they can charge a late fee and interest. 
I had the same issue when using XXXX online bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to Experian numerous times to get the following accounts removed as they are reporting inaccurate and unverified information, damaging my credit. My attempts to have these removed due to factual inaccuracies were on XX/XX/XXXX XX/XX/XXXX via online dispute submission. Then via certified mail on XX/XX/XXXX, XX/XX/XXXX. 

I provided the following information ; XXXX - 1 ) Account has been re-aged : Experian XX/XX/XXXX, XXXX XX/XX/XXXX *FCRA Violation*. 2 ) Historical Payment Status : Experian XX/XX/XXXX XXXX days late ; XXXX XX/XX/XXXX XXXX days late. Experian XX/XX/XXXX XXXX   days late ; XXXX XX/XX/XXXX XXXX days late. 

XXXX XXXX -1 ) This account can't possibly have been verified because the status update date has not changed, XXXX XXXX. *FCRA Violation*. 2 ) Collection and creditor both show balances. 

XXXX XXXX - 1 ) Both original Creditor XXXX XXXX XXXX XXXX & collection showing a balance. 2 ) Sent Validation Request & received nothing from the collection agency, so how was this " verified '' if the collection agency was unable to provide validation. 

Each time I received a response from Experian they state the information has been " verified ''. How is that possible when I am providing factual information on my credit report pulled directly from them. I have asked on numerous occasions to provide me physical documentation along with the method of verification used to " verify '' these accounts & they failed to provide me that information. 

These accounts were never legally investigated properly which is clearly outlined by the FCRA as a violation.

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 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A XXXX XXXX XXXX employee inadvertently gave my credit card to another customer. That customer fraudulently signed a sales slip charging my Chase VISA account {$130.00} for his purchases. 

I have spent eight days disputing this fraudulent charge with Chase to no avail. The Chase VISA Dispute Department told me that they did not consider this unauthorized purchase by a complete stranger to be fraud. The Chase VISA Dispute Department told me that they were  refusing to provide any credit to my account for this unauthorized transaction. They even refused to provide a provisional credit during any requested investigation. As a result, one of my auto-pay accounts ( XXXX ) failed to authorize today as a direct result of the unauthorized purchase of {$130.00} being fraudulently charged to my account. 

Chase supervisor, XXXX provided the Chase Executive Office address for this complaint and refused to provide any other service or make any effort to correct this wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION
State: TN

Complaint narrative:
XX/XX/2019 notified my BB & T branch in person i was traveling and would be leaving a post dated check for my house sitter. Check dated Monday XX/XX/XXXX. 
Check was presented and cashed on XX/XX/XXXX, causing an over draft. The bank charged me XXXX $ for this and i have been trying to resolve this since XX/XX/XXXX. I called XX/XX/XXXX and the rep said they would send a request to have it refunded. i called back a week later and the rep transferred me, that rep hung up on me transferring me back to a customer service line. i called again a few days later and spoke to a supervisor who told me they would review these calls and get back with me. they did not, i called two more times and again this past week. each time all i get is " we'll review it and call you back '' no one has called me back, i reached out to the office of the President, logged a complaint there as well, and still no call back. I will be leaving BB & T if i can not get the fee refunded.

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
please review the current fraud account and also the fraudulent inquires also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Myself and my neighbors are constantly harassed by Macy 's debt collectors a few times a week. He is banging on my door like a crazy person. He has banged on my door awaking everybody at XXXX on a Saturday. I initially told him that he had the wrong person and closed the door, but he continue to harassed me as well as my neighbors. He is entering the property illegally by tailgating other tenants on to private property. The complex has posted sign prohibiting this type entry into this complex. He has also impersonated to be someone else to gain entry.

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