vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: NC

Complaint narrative:
On XX/XX/19 I was going to cash a check but was told to come back at XXXX so that the manager could call up the company to verify check. The check was from a legitament life insurance company. So I came back at XXXX. The manager took check could not get through to company but cashed it anyway. I had to checks one for {$100.00} and was charged {$5.00}. The other check was for {$70.00} and I was charged {$3.00}. Due to the fact that I was in a hardship and needed every penny I called up the corporate office in XXXX, Ill and spoke to a customer service representative and was informed that the fee is {$3.00} for {$300.00} or less. I then called the corporate office to file a complaint and spoke to a customer care representative and she informed me that it will take 3 business days for a manager or  leader to get back with 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 non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
15 U.S. Code 1692g states that : a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a  statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive this notification and this debt is not owed. I don't have a contract with the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Back in XX/XX/XXXX, my bank account was levied by Pressler and Pressler which now the name changed to another law firm. They apparently took the money owed to them which totaled to about {$210.00} and change. On top of this charge, {$150.00} was taken from my bank account which over drafted my account. The point is this, I paid these people off numerous times and they keep coming after me for more and more money. They have threatened me, threaten to sue me, and put me in jail. The last part was that when they levied my account the debt was settle. Now, I took a glance at my credit report and as of today XX/XX/XXXX, they are recharging me again with {$170.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive any type of notification as required by law prior to this being added to my credit. This debt is not owed and there wasn't any contract with this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC
State: MI

Complaint narrative:
I am a XXXX  with XXXX XXXX XXXX in XXXX MI. I am writing a formal complaint against Members First Mortgage out of XXXX XXXX Michigan. They are by far the worst mortgage company I have ever worked with. They are sloppy in their paperwork, nobody returns phone calls, they say they send out documents when they never do. They don't have universal underwriting standards. In the 10+ loans I have closed with them, not one has closed on time, one took nearly 6 months for no good reason. 

I have had several clients switch lenders because of how poorly they were treated. I am working on a current loan where they are requesting receipts for repairs that were not part of the appraisal and were personal things asked for between the buyer and seller. The seller was able to fix many of the issues himself and therefore doesn't have receipts, this is the first time in my 5 years of working with them that they have ever requested receipts of repairs. They are extremely rude and have had issues with processors making my clients cry due to frustration with their questioning. Very accusatory and not customer oriented. They have already had to remove one processor XXXX XXXX due to her lack of customer service skills and the person they replaced her with is no better. 

I have attempted to contact XXXX XXXX who is the mortgage originator several times and have only received a return phone call once. They demonstrate gross negligence and general inconsistency with their practices. I am starting to feel like they are singling me out personally and giving me a hard time on purpose. I am feeling discriminated against and would like my complaint to be on file against them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have a bank account and credit card with USAA. They told me the best to do is tie my credit card to bank account for overdraft protection. I agreed. Over 12 months ago my automatic insurance payment caused my back account to overdraw. The bank transferred {$100.00} from my credit card to my bank account as overdraft protection. Now for over 12 months I have been paying interest on that {$100.00} as they claim it as cash advance. Over {$400.00} in interest for {$100.00}. Misleading initial overdraft details and over {$400.00} in interest for {$100.00}. Total sham. I spoke with the bank and got no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Back in XXXX of XX/XX/XXXX, I had so many problems with XXXX XXXX XXXX XXXX XXXX losing paperwork and processing my car loan that I decided to cancel the loan. I was told by XXXX XXXX that they would stop the loan on their end. I called for the next two days to confirm the cancellation of the loan with both XXXX and XXXX XXXX. Within a couple of days, XXXX XXXX XXXX XXXX XXXX processed the loan. I had to accept the loan. A week or so later, I was contact by XXXX XXXX XXXX XXXX XXXX and they stated that they made a mistake processing the loan and that I had to pay additional money for taxes. I submitted a complaint to the Consumer Financial Protection Bureau ( complaint # XXXX ), and XXXX XXXX agreed to remedy the situation by paying the taxes. Now XXXX is contacting me to pay the taxes again. My account number with XXXX is XXXX. I called in today ( XX/XX/XXXX ) and waited 22 minutes on the phone to speak to a supervisor and then the call was disconnected. XXXX sent me a notice dated XX/XX/XXXX stating that I had to pay {$300.00} within 15 days threatening to send the remaining amount to a collection agency. I received the letter in early XXXX due to the holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Last month ( XX/XX/XXXX ) I wanted Citi to switch my AAdvantage Mastercard with a {$50.00} annual fee to a product/card with no annual fee since I hadn't used it in years ( I've been a customer since XXXX ), AA expired my miles and I had not carried a balance in quite some time. The agents transferred me over and over, they had no product knowledge and said I'd have to do this online. There is no way to do it online. No way to start a Secure Message Center inquiry online. And now they are charging me the annual fee and won't recscind/waive it, even though i'm not using the card or services. They said I must pay even if I switch products or cancel the card. Now they call me everyday by an automated robo-call, telling me to call a phone number and use a special code to talk to someone. They are forcing me to pay the fee or go to collections.

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 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: MD

Complaint narrative:
Good afternoon, As of today, I am a little over {$10000.00} in the arrears. My loan was sold to XXXX XXXX XXXX  and I was not contacted. I did a modification with XXXX XXXX ( former lender ) in XX/XX/2018. I made all payments according to our agreement. Once I made the last payment, I waited for correspondence from them giving me my new mortgage payment and date to start paying it ... .it never came. The following month I went online to pay, it stated congratulations your loan is paid in full. And once I went into my account, it showed a CREDIT in the amount of my last payment. 


It wasnt until a few months later ( with no notification from XXXX XXXX ) that I realized my loan had been transferred to XXXX XXXX XXXX. And they will not allow me to catch up. They keep stating that they have started paper work for foreclosure and will not accept any money from me unless I pay arrears in full. As each month goes past, the amount gets larger and my income is limited, so I dont have anything saved. I even asked if I could pay a bigger mortgage payment each month until arrears are caught up and the answer is NO. MeanwhIle, XXXX has never called me once to collect payment or tell me I was sold to them and no email from them either. XXXX XXXX has all of my demographics and they havent changed in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion and/or its Attorneys, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX notified XXXX XXXX XXXX by mail in regards to a settlement for improper reporting. XXXX XXXX declined to settle the matter because all or most of what was on her credit report was disputed in regards to public records and there are several missing accounts that are not reported and this may be due to the injunctive relief granted to Transunion to not report such accounts.

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 2019-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I submitted an application for a loan modification in XX/XX/XXXX. I was rejected without cause on XX/XX/XXXX. I file a complaint with CFPB and was just informed today XX/XX/XXXX, that Wells Fargo had completed their investigation. Which showed no fought. I informed the representative that Wells Fargo had begun and set a foreclosure sale date of XX/XX/XXXX without following the legal foreclosure guidelines set forth by the State of North Carolina, which states that a leader must give : 45 day written notice before starting a foreclosure 30 Day Notice of Default Notice of Hearing Notice of Sale The only reason I found out that my house was scheduled for sale was when a person drove by an inquired about my house. Then I called Wells Fargo and heard the recorded message that my house was up for sale. 

These are the type of unethical practices that the leader has been performing. 

Please help.

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 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I have tried on several occasions over a years time to request information to try and validate a debt they claim that I owe. All they are able to provide me with is a credit card statement. I have contacted several times asking for verification with my signature or some contract with a signature in order to validate that said debt is mine. They have been unable to provide any additional information. I am not able to validate debt and there continued reporting of this debt is bringing my credit score down. They continue to mail me a letter saying I did not provide them enough information for them to conduct and investigation and they would be terminating said investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX  and/or its XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX notified XXXX XXXX XXXX by mail in regards to a settlement for improper reporting. XXXX XXXX declined to settle the matter because all or most of what was on her credit report was disputed in regards to public records and there are several missing accounts that are not reported and this may be due to the injunctive relief granted to XXXX  to not report such accounts.

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 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hospital Services, Inc.
State: ND

Complaint narrative:
I was garnished last year by Hospital Services Inc. XX/XX/XXXX-XX/XX/XXXX. Recently I tried to make arrangements for other debt that had crossed their desk in XX/XX/XXXX for a debt from XX/XX/XXXX. They first refused payment arrangements, then they returned payments in XX/XX/XXXX. Then they served me papers for garnishment of {$440.00} in XX/XX/XXXX. The requested my employer to take {$530.00} in XX/XX/XXXX. They sent my employer the wrong address to send payment to, so when my employer cut them a check on XX/XX/XXXX. I called to see if the had received it on XX/XX/XXXX. They said it was sent to wrong address and I notified employer who also spoke to them about HSI error. Had check stopped and reissued. I called again on XX/XX/XXXX and they said they never received check. I called again on XX/XX/XXXX and she said she wouldn't process right away but had received in on the XX/XX/XXXX. She then stated she would process or notify courts until 2-3 weeks from now of payment made or issue refund for the overpayment. This company has repeatedly refuse to fix or except their errors and should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc.
State: TN

Complaint narrative:
I was XXXX and did not know i was being contacted as my phone is off. Once it populated on my report, i contacted the company, they threatened to sue and take legal action against. 

I have paid this debit in full I XX/XX/2019 in the amount of {$2500.00}. 

I would like this removed on all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discovers new TV is misleading and using XXXX  toys to promote credit to XXXX  year olds. The ad should be pulled.

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent Shellpoint servicing an appeal letter based on the most recent denial letter I had received on XX/XX/XXXX. All my most recent documents had been provided to include paystubs and the 2 most recent bank statements. On XX/XX/XXXX, I spoke with a Representative who confirmed that the docs had been received. I followed up with them again and was advised that they need XXXX ' bank statements for various accounts i had, however some of them would not be available until after XX/XX/XXXX since the month ran from XXXX. iI was able to provide them with the ones which were available that ran until the end of the month and advised them that I would provide one of the statements that would become available after XX/XX/XXXX. On the date of XX/XX/XXXX when i provided my bank statement, i simultaneously received a notice that my loan had been referred to foreclosure. I called into Shellpoint and requested to find out why and they advised that because my bank statements were not provided therefore the file was incomplete and referred to foreclosure. I explained that the bank statement was not available until after the loan was referred and that it was completely out my control. I dont understand how they could have done this. I also have a letter from them requesting this information and telling me that i have until XX/XX/XXXX to provide this information and they still did not allow me this time. Please help. I am not against a foreclosure while trying to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I have tried on several occasions over a years time to request information to try and validate a debt they claim that I owe. All they are able to provide me with is a credit card statement. I have contacted several times asking for verification with my signature or some contract with a signature in order to validate that said debt is mine. They have been unable to provide any additional information. I am not able to validate debt and there continued reporting of this debt is bringing my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: WI

Complaint narrative:
My loan matures XX/XX/XXXX. ( XX/XX/XXXX was original maturity date it keeps changing ) I have been paying monthly, often times after the XXXX which is my due date, but I get the payment in monthly. On two occasions I was given extensions, but I have paid way more than the {$1500.00} loan amount and expected to be paid off in XXXX. I did get an extension in XXXX  and only paid half a payment. So when I asked if I would be paid off inXX/XX/XXXX I was told because I was late many times, my loan has been extended for approx 20 more months, unless I can come up with the {$1500.00} original loan amount plus {$680.00} in late fees. Had I paid on time by the 11th if every month I would be paid off. When I told them that was ridiculous that it was still paid in the same month they told me too bad ... .so now I have to pay another {$4000.00} plus dollars ( {$210.00} x 20 ) on time by the XXXX or it may take longer ....

I wi never get my title back or get this loan paid off ... .I will be paying over {$8000.00} on a {$1500.00} loan. I tried contacting XXXX XXXX and the XXXX XXXX XXXX to no avail. Can you help me get this settled and get my title back? I also wanted to add them to my Chapter XXXX but they refused that also. Please help me. I also paid the {$10.00} late fee everytime I was late. Loan initation date was XX/XX/XXXX

Company response to consumer: Closed with explanation