vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I was providing information to my loss mitigation agent ( XXXX XXXX ) in an effort to prevent foreclosure on my home. XXXX had received my information and informed me that she would submit the information for approval. While I was waiting on XXXX to advise me Fay continued with foreclosure. When I contacted XXXX she appeared suprised and said that it should have been on hold. XXXX later said that there was nothing she could do about it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc
State: WI

Complaint narrative:
East Point Recoevry lefted two voice messages on my sister phone stateing this is impoint message intender for ( My name ) then stated that they are trying to get ahold of me to collect a debt that i owe.my sister doesnt need to know that im in debt and now she does becaue they left voice message on her phone stated that i owe money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This company is illegally reporting their negative trade line on my credit report. I have no knowledge of this company nor due I know what this debt is about. I have never received any correspondence from them in regards to debt they claim I owe. I do not owe this company any money nor do I owe money to XXXX XXXX who they claim they work for. I do not have a signed agreement with this company or with XXXX XXXX This company is violating my rights under the FCRA under New York state law. They have 15 days from the date of receipt to remove their trade line from my credit report. Failure to do so will force me to take legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I 've contacted Diversified Consultants advise them the debt not mines disputed with equifax sent in a validation letter also sent one to the company via certified mail ... the debt was removed in XXXX on XXXX ... then recently the report to my experian report on XXXX XXXX i contact the collection agency and ask why was this remove then report to XXXX the collection agency advise me that XXXX are the one who report to XXXX XXXX.. At this point I was willing to pay a settlement offered XXXX for the bal under the condition that i received a email stating that it will be removed once the payment post ... the rep adv me she would have to see is that something that she can do she place me on hold ... .a  supervisor returned to the phone inform a settlement only 30 % off the balance and he not willing to negotiated this and to keep disputing it if i like ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I attempted to purchase a round-trip set of airline tickets thru XXXX. I received emails shortly thereafter stating that my transactions had n't gone thru. 

However, the charges for the tickets were already pending on my card at this time. 

Given that I did not want the cost of tickets to hike up, I proceeded to purchase my tickets through an alternate service at that point. I emailed the customer service email address supplied by XXXX to request that that the charges not be attempted again, though they did not respond. I also called their customer service phone number and their agent tried to reassure me that the purchase of my flights actually had gone thru, despite the emails I received. 

The amounts of the charges were {$23.00}, {$170.00}, and {$170.00}. 

I made it clear to XXXX 's customer support via telephone *and* email that given the confusing emails I 'd received, I 'd already made alternate arrangements. 

XXXX falsified documentation in the fraud claim I made to my bank and my bank has apparently sided with them in this case. They made this decision without consulting me, nor asking me for any documentation or proof of my claim. This would be the first time in my history with this bank that a fraud claim was *not* decided in my favor. So it is quite clear that I do n't make a habit of purchasing items and then charging them back. I am in the XXXX XXXX myself, not to mention that that, in itself, *IS* fraud. 

I have already notified my bank that if this case was not decided in my favor, that I would end my relationship with them. Of course this is a major inconvenience considering the age of my account and how I, historically, have ranted and raved about how awesome their customer service was. This changes everything I think about the bank. I will proceed to take my business checking and savings needs elsewhere if this is not resolved via CFPB. 

I will also take legal action to recover the funds I am missing as a result of Bank of America 's lack of due diligence when it came to investigating this blatant fraud perpetuated by 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 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX received Notice of Levy from Bank XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
On XXXX/XXXX/XXXX, I was made aware of a {$65.00} charge off that was reporting on my credit report by a " SW Credit Systems. '' I 've never had so much as a late payment on my credit report..ever. It was in the XXXX, and after this report it has dropped nearly XXXX points. So I contact this SW Credit at XXXX and spoke with an XXXX XXXX there. It took them forever to find my account, and stated it was a {$65.00} bill from XXXX XXXX?? I have n't had XXXX in about 2 years so I was very confused. I asked when they tried to contact me and I would 've paid them whatever they wanted before they reported it as a charge off and come to find out they sent one letter ( to an address I have n't lived at in years ) in XXXX. I asked if that was it and she said yes. 1 letter..over the course of 8 MONTHS. I asked her if she thought this was an appropriate amount of collections before sending it to charge off. She avoided answering the question and just read off a script, because anyone who is sane would know they answer is a most certain " No. '' I asked if we could come to some agreement where I would pay this mysterious {$65.00} bill and they would just remove this from my credit bureau. XXXX was emphatic that they have a no deletion policy. I then called XXXX at XXXX ( Collection Department ), where I came in contact with literally the rudest person I have ever dealt with in a business setting. She started yelling at me when I tried to get information on this alleged account I had, saying that I should n't have called there and I needed to speak directly with this Collection Agency that they sold my " debt '' to. She was trying to rush me off the phone from the 1st sentence. I asked if she could possibly assist me with this random 3rd party, possibly fax something to them. When I asked this, she literally yelled into the phone " WE ARE N'T GOING TO FAX ANYTHING TO ANYONE TO GET IF OFF YOUR CREDIT '' and actually hung up on me! I always remembered XXXX being very nice back when I had it, so I was astonished to come across someone so terribly rude. I 'm just so confused at this entire situation, I have a random 3rd party collection agency that has awful reviews reporting a {$65.00} charge off that I 've never been aware off but they claim that they sent ONE letter 8 months ago. When I try and contact the base company that my supposed " debt '' is with, I 'm met with rudeness beyond words. I ca n't believe I have been dealing with all of this, over a simple {$65.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
account mismanagement issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC.
State: TX

Complaint narrative:
In XX/XX/XXXX my credit score dropped 50 points due to an added debt collection item by ABR Recovery in  the amount of {$1500.00}. My credit report stated I opened the accountXX/XX/XXXX I am not aware of this debt. OnXX/XX/XXXXI sent a certified Letter of Verification of the debt to ABR Recovery LLC which was delivered and accepted on XX/XX/XXXX. I have not received any of the requested information or proof that this debt belongs to me. It is now passed 30 days since I requested the information from ABR Recovery LLC. I am requesting the company to remove the debt collection item from all of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: KY

Complaint narrative:
We went on XXXX XXXX last night to get more information about starting the process to refinance our home. Starting at XXXX am this morning, we have received 21 phone calls from a XXXX area code. After multiple calls, my husband picked up three times and requested to be removed from the call list. Calls still persisted and so I called a gentleman back ( who had previously left a message ) and told him to please remove us from ALL call lists for his company. He said he can take us off of most of the XXXX area code phones but that his company is " pretty persistent. '' 21 is an unacceptable number of calls for being from XXXX ( which is very early! ) to XXXX, and I consider it a form of harassment!

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 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has submitted fraudulent checks to withdraw funds from my checking account on two occasions. Funds were sent to TD Bank. The transaction is difficult to stop without closing the checking account due to XXXX XXXX XXXX having my account number. 

A phone number on the fraudulent check provides no resolution option, simply hanging up on the called ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
While paying my XXXX mortgage payment online on XXXX/XXXX/XXXX, I noticed that it showed that I had 2 Fees that were added to my loan account for {$640.00} and {$85.00}, both labeled as Recording Fees. My loan modification was completed nearly 6 months ago and I have not been notified that any additional fees would be assessed. I called 4 times, was transferred to the Loan Modification department since the customer service representative explained that this is where the fee originated. Three times, I could hear someone pick up the line ( with voices in the background ) and hang up. I called back the 4th time and was asked if I filed for a Forbearance on my mortgage, which I replied No and was told that all of the lines were busy and I was assured that someone would call me back very soon. I had no confidence in this, since no one EVER calls me back from XXXX. Of course, I received no call back. I also checked my credit report and my loan account is in the status of " Affected by a natural disaster '' even though I have not claimed this with the mortgage company. I called again on the morning of XXXX/XXXX/XXXX and was again promised a callback from the loan modification department, which still has not happened. I called in the afternoon on XXXX/XXXX/XXXX and customer service connected me to the Loan Modification department and I was again, for the 6th time, hung up on. This service is appalling and beyond unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I called the bank on XXXX and requested a payoff amount. They refused to give it to me. They asked many identification questions and I answered them all but did not know the penny amount of a $ XXXX transaction. I knew the exact balance, my SS I feel the bank does these things to generate revenue that they did not earn. In this particular case, extra daily interest. When i asked for a supervisor the representative stated he was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the XXXX XXXX XXXX Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  XXXX XXXX XXXX XXXX XXXX counter stating they would settle for {$10000.00} XXXX increased the amount after knowing that I was in the process of buying a resident.

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 2017-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There are multiple unauthorized transfers occurred lately in my saving account in Chase bank, it is common sense that nobody use saving account for online purchasing, I did n't get any alert / call from the bank, due to the security loophole in their online banking system, those transaction went through without any authorization or approval from me, and they refuse to fully recover my loss, which is totally unacceptable : XX/XX/XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : XXXX XXXX XXXX WEB ID : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XX/XX/XXXX XXXX XXXX XXXX WEB ID : XXXX ACH debit {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IL continues to send my loan to a collection agency named Transworld Systems , INC.,  when my loan is not delinquent and the amount demanded by this agency is not correct. I have addressed this with the Director of the loan department over a month ago, and he apologized for the error but the problem remains. I received another letter from them XX/XX/2017. The notices they send make it sound as if my loan is in default and the wrong total amount due is demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I filed a chapter XXXX bankruptcy a stay was put in place Chase was informed of the BK and stated they did n't do anything special for BK and did n't have a department. They are still took all of my check for fees and over drafts and still continue to collected from those fees I tried to dispute the charges and they told me I was to late but I had been reaching out trying to get this care for and no one could help I went in the branch and everyone was clueless and I am out of XXXX in fees and charges that they would n't allow me to dipute I had be calling they would allow me to close the account becaue it was overdrawn I have 2 accounts with them my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX . 
XXXX, AZ XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX/XXXX/XXXX I was advised to come to XXXX XXXX XXXX, XXXX, TX XXXX to exchange laptop computer with damages under warranty. Manager advised to pick out new computer, he assigned salesman to execute warranty agreement. Salesman did not explain that new warranty included cost nor did he discuss terms of new installment agreement I was asked to sign, nor did he give me a copy of paperwork. I was under impression paperwork was simply for exchange and had no idea cost was involved. 

XXXX/XXXX/XXXX received late notice from Conn 's in regard to new acct for XXXX per month on XXXX warranty acct. I had no idea what this acct was for, contacted Conn 's and after hours on phone was able to reach XXXX XXXX in customer service XXXX/XXXX/XXXX. She removed 1/30 days late on acct and offered to refund all payments and close acct. 
I asked her to add my phone number to acct. so that I would receive notices when payments were due.XX/XX/XXXX Salesman asked if I wanted new acct with XXXX XXXX, I advised no and do not pull my credit. He inquired on my credit and opened acct against my express wishes. I discovered this acct in reviewing my credit report from XXXX and advised XXXX XXXX with Conn 's about acct opened without my permission on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX contacted Conn 's and learned that warranty acct was over 30 days late. I had received no notices from Conn 's as requested XXXX/XXXX/XXXX. Made arrangements for extension and paid on XXXX/XXXX/XXXX, was advised by Conn 's no late would be reported to credit bureaus I was protected as a victim of Hurricane Harvey. 

XXXX/XXXX/XXXX received notice from XXXX that 30 day late was reported to bureaus on acct # XXXX by Conn 's. I called and emailed XXXX XXXX, Conn 's Customer Service several times requesting 30 day late be removed as agreed in arrangement XXXX/XXXX/XXXX. I also included Service Agreement Cancellation Request to cancel warranty and refund all payments AFTER XXXX removed. I also advised that XXXX XXXX acct was closed by me and that it was opened against my wishes. Requested inquiry be removed from all credit repositories,. 

To date have received no response to phone calls or emails to XXXX XXXX in regard to Service Agreement Cancellation Request, 30 day late removal from acct # XXXX or removal of inquiry XXXX/XXXX/XXXX opening XXXX XXXX XXXX acct. I have spent many hours on phone with Conn 's trying  to get these issues resolved, to no avail. 

Would very much appreciate your assistance in resolving these issues which have dramatically effected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Failure to send monthly mortgage billing statements to me for six years, nearly the entire time of Wells Fargos servicing of my mortgage and refusal to send such statements, claiming that they are not required to send monthly statements. 
Failure to provide to me substitute monthly mortgage billing statements and refusing multiple requests to provide substitute replacement statements. 
Failure to send mortgage modification paperwork to me in a timely fashion such that it expired one day after receipt in order to prevent adequate review time and consideration of the modification provisions and time for consultation with an advisor or attorney for legal review and to submit for the modification. 
Filing a foreclosure action against me under the false allegation that my home is not owner-occupied in order to avoid providing normal mortgage resolution processes and procedures and relief such as mediation, repayment plan, forbearance agreement or modification, and toe take my home under the false statements that my home is not owner-occupied. ; Substituting Wells Fargos identity on my utility account in lieu of my identity ; Cancelling my mail delivery by telling the United States Postal Service that my home is not my home and that my home is not owner-occupied ; Replacing locks on my door and locking me out now for four months without providing a key and a letter of authorization of entry as required by police so I do not get arrested for trespassing into my own home ; Not recognizing my lawyer by claiming that my lawyers letter of representation was insufficient

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