vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
I received a call from a number with blocked caller ID. The person on the line represented themselves as a Compliance Officer with the State of South Carolina and advised that they were locating me at my residence or place of employment in reference to a case being filed in XXXX County. I was given case # XXXX and instructed to contact XXXX. When I contacted the number given, I advised that it is illegal to represent themselves as government officials. She never gave me the name of the company and refused to send me anything in writing to validate the debt. The representative only advised that she would be finalizing my case for court since I would not make payment via phone. I advised that I had been contacted in reference to the company Advanced America before and asked for information in writing to validate the debt and if valid make arrangements but was advised that they were just going to take me to court. The young lady stated that if I wanted something in writing then they would just handle it in court. At that point, I advised that I could no longer continue the call because I was at work. It is illegal for them to represent themselves as government officials and needed to make you all aware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: UT

Complaint narrative:
I made a purchase on Discover credit card for {$6000.00} to XXXX. The total amount paid to XXXX was {$31000.00} on XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem of services not being met on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time my problem was just ignored about the problem of services not being met. I was never able to talk with the owner. I was promised certain outlined items they would not provide and a guarantee if I did certain outlined items the company would stick with me until I made my money back. The company XXXX was shut down on XX/XX/XXXX by the Minnesota FTC for being a scam. The government froze all their assets. I have sent paperwork, invoices, contract, guarantee, multiple letters explaining the situation to Discover card. XXXX from the executive office reviewed the case. My request was denied. No specific reason was given. I was never asked for more paperwork to prove my claim. I received 2-3 letters and emails that were generated from a standardized form. When I contacted XXXX about those letters and emails he said he did not send them that they were just sent. That tells me that no one is really reviewing my case. The dispute committee is sending random letters and emails that they have no permission to send. These actions by Discover card are unprofessional. The dispute committee also took a week to get paperwork to XXXX that I had faxed. If I hadn't of followed up every week with XXXX he would've never received all my documentation. I still don't know if all my paperwork was received by Discover card because every time I asked XXXX for specific work he never answered me. This is so unprofessional and has caused me great XXXX. I still owe {$31000.00} to credit cards that were used to pay XXXX. I never made a penny on the services they provided in fact I ended up with {$5000.00} more in debt trying to do the program the way they told me to do it. Why should I have to pay for a company that is a scam and be left with thousands of dollars in debt. Discover card said they would provide a fair resolution. Zero is not a fair resolution. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a XXXX XXXX credit card though Synchrony Bank which I rarely use. I made a small purchase in XX/XX/2018 because the store offered 50 % off if I used their card. I only realized yesterday that my account is past due. I did receive monthly statements via email and I acknowledge I didnt open them because I dont use the Card and some credit cards send a statement if you have no balance. Beyond the statements, I never once received a payment reminder or communication that my account was overdue. Even when I go back to the statements and my online account now, there is no indication or alert that the account is past due. When I called the credit card company today to rectify the situation ( I have been charged {$78.00} in late fees and my credit score has been impacted ), I found out that I had been sent to collections. Again, there has never been any communication that my account is past due and the rep acknowledged this on the phone and confirmed the monthly statements via email were the only form of communication I had received. The rep would not refund the late fees, but my biggest concern is the impact to my credit score which was over 800 before this happened. If I had received communication that my balance was due/overdue I would have paid immediately. The charge was {$33.00} and I could have very easily made that payment. I dont think I received adequate communication from Synchrony bank and have been impacted negatively in terms of late fees and credit score. Not so paid the full amount due including late fees yesterday as soon as Inrealized what was going on.

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 2019-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Across many credit scoring websites my Equifax score appears as unavailable. I don't understand why this is. My XXXX XXXX account states that my Equifax score dropped by over 500 points. I feel as if there most be some type of error on Equifax 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had my information hacked and accounts were opened in my name without my authorization. I have filed a police report but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have two credit cards with Capital One. I added several contractors who work with my family real estate business to pay for repairs as needed. I never gave them the cards, I was if I need them to pay for repairs on site. Capital One restricted my account and ask for the employee ids and social security cards. I did what Capital one requested but never received an answer, so I paid off my account, request them to release my rewards and request they close my account. It has been several months since they restricted my account. I can't use my rewards nor my cards without any explanations of the cause. Even after paying off the account they haven't released my reward, credit balance nor close my account as requested for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: FL

Complaint narrative:
Wife and I took out reverse mortgage XX/XX/XXXX. American Advisors Group submitted fraudulent documents and took my name off deed .Wife died XX/XX/XXXX .Submitted required docs. to AAG XX/XX/XXXX was told by phone everything was fine. Problem arose with home owner ins.around XX/XX/XXXX per AAG .Home could not be insured because of damaged roof. I pointed this out to XXXX XXXX upon home inspection XX/XX/XXXX .He submitted fraudulent documents and told me it was no problem. All funds from loan were used to pay off 2nd mortgage as per AAG, and wife 's funeral expenses. I appealed to AAG to help with roof repair that I could not afford in able to insure home. There were funds set aside for home repair at this time. They explained to me I was not on loan or deed to property and home was in forecloseure. They have refused to speak to me or help me in any way since then. I am seeking to reinstate deferral period and mortgage. XXXX XXXX XXXX XXXX has also been unethical and fraudulent and home is in foreclosure in amount of {$190000.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Resources
State: GA

Complaint narrative:
I recently called and submitted a letter to XXXX XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX  XXXX XXXX  XXXX to remove the collection from my credit report until the debt is validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MNS & Associates LLC
State: NY

Complaint narrative:
This company left me two voicemails in two days that uses legal words in regards to some debt, they do not identify which one in the voicemail or at least who the original creditor is. They make reference to a " File No '' as well as giving my a 24 hour time deadline. They stated they were calling from " Asset Verification '' implying that I was required to give them certain information by law. I have attached the two Voicemails.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had my information hacked and accounts were opened in my name without my authorization. I have filed a police report but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.

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 2019-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capitol One and said stated the card was stolen and had filed a police report when it was stolen. They said they would open an investigation. They have continued mailed me billings and I call every month and they just give me the run around. I have asked for a copy of the tape from the ATM ( they have never said where this happened ). They said it was a cash withdrawal. I all the years I have had they credit card I have never done an ATM withdrawal. They also said they had a copy of a recording of a woman that called in and verified all my information. I have asked for that recording and still to this day, XX/XX/2019 they have not produced the reporting either. 

Now reporting the card past due on my credit report and it is still under fraud investigation. 

I have closed my account with them and they can't get it right. 

I have called again on Friday, XX/XX/2019 and they stated they would contact me the same day. Today is Monday and I had to contact Capital one again since they still have not called back. 

Capital One needs to be looked into for unfair collection practices and not investigating fraud claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I had my information hacked and accounts were opened in my name without my authorization. I have filed a police report for fraud and identity theft but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.

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 2019-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: NC

Complaint narrative:
I did not have any service on XX/XX/2016. My XXXX XXXX chart shows the date for XXXX XXXX XXXX as XX/XX/16. The itemized statement for XX/XX/16 shows as {$0.00} due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My FHA mortgage loan is currently serviced by Chase Bank. They have set a foreclosure sale date of XX/XX/XXXX on my property. Chase Bank claims that the total amount past due is {$37000.00}. The alleged claim is for 36 payments. Chase Bank issued a trial loan modification offer in XX/XX/XXXX, setting then monthly payments at {$1200.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( exhibit A ). Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank refused to the process the initial {$1200.00} payment as well without explanation. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX XXXXXX/XX/XXXX of XX/XX/XXXX. 

Chase Bank has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I paid an extra {$250.00} payment online on XX/XX/XXXX and I figured since the account was paid up to date, the funds would be applied to principal only. The payment ended up being processed with principal AND interest. 

After noticing that is what happened, I called One Main between the dates of XX/XX/XXXX and XX/XX/XXXX to find out why it was applied that way and spoke with an agent named XXXX ( whom I can no longer trust ). After asking her why was it applied that way, she advised she didn't know. She stated in order to do principal only payments, I had to call in. Making it MORE DIFFICULT to pay the loan off earlier. This is unfair and it is also deceptive to have the option to pay online with no disclosure given prior to making the payment that we CAN NOT pay principal only. 

XXXX was of no assistance that particular day, ESPECIALLY because I asked for the amount that went to interest to be taken out of my account and applied as principal only. She took the payment ( so I thought ), asked me to hold so she can set up recording for my confirmation of the payment, came back to the phone and the payment never posted and it never came out. 

I called them back on XX/XX/XXXX because the money never came out of my account. XXXX answered the phone and I asked to speak with someone else after she was extremely rude in the way she answered my questions. Once again, using " I don't know '' as an answer for my questions. I asked to speak to someone else and she placed someone on the line to take my payment. That person took the {$250.00} principal only payment from me and it was processed correctly. 

The company 's website is misleading and deceptive and it does not help in making principal only payments. XXXX needs to be trained on how to handle calls from clients regarding the online system. She doesn't know ANYTHING about it and she is also very rude. 

I ask that she gets more training and better yet One Main Financial get a better website to use. Otherwise, it leads me to believe they are intentionally trying to make it more difficult to pay the extra money towards principal from month to month. I shouldn't have to call ANYONE. It should just be that easy. This has to be some sort of violation of UDAAP or some other regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To whom it may concern : I have a Capital One 360 checking account since XX/XX/2018. Unfortunately I had a situation where a person cashed a check for a service that was not rendered. I reached out to the person but I haven't heard anything and I suspect I became a victim of fraud since she won't return my money. I contacted Capital One and they couldn't do anything for me, even try to get that money back for me. I relied on this bank for some time and now I lost my money because of their poor controls since they never flagged this transaction as suspicious or reached me out about the particular.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX

Complaint narrative:
seems XXXX XXXX XXXX HIRED A LAWYER TO COLLECT XXXX I DO NOT OWE XXXX XXXX XXXX XXXX NOW WANT XXXX FOR THIS LAWYER XXXX XXXX I DISPUTED IT SEVERAL TIMES SENT E MAILS NOW THEY HAVE MY PERSONAL BANK ACCOUNT NUMBER CAN THEY TAKE MONEY FROM MY ACCOUNT??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint Mortgage Company Keeps Harassing Me No Matter What I Tell They Sending Letters They Said To I Was Dead Then They Send Me A Letter Talking About I Have To Go To Court Then They Turn Around And Send Me A Letter Talking About I Owe Them {$100000.00} Dollars And I Don't Know What They Talking About

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have two mortgages with Bank of America. I have been trying since XX/XX/XXXX to refinance both of them. The loan # s are XXXX at 8.99 % and the other XXXX is interest only right now. They total XXXX. Due to circumstance I have fallen behind on payments. I also have first mortgage with a different lender XXXX which is XXXX current and escrow is also current. I have a high debt to income. I do not want anything taken off. I want to pay all I owe. I would like them to combine at thirty years with a lower interest rate. Right now anything I pay they take as interest and late fees. They have sent me several packets I fill out the paper work and fax it back. So far I faxed it back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All I receive back are robo calls? 

Please help with this situation. 

Thank You 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