vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIBC BANCORP USA INC.
State: IL

Complaint narrative:
On XX/XX/18 I received an initial loan estimate and decided to lock in the rate that day and not pursue other lenders. I specifically stated that I did not wish to pay points and wanted to lock in that rate as I was already pre-approved. I had no issues with the banker I worked with during the whole process. On the day of my closing I noticed an additional charge for points and when I asked them to remove the charge I was denied. I spoke to the manager XXXX XXXX who refused to remove the charges because if he waived the fee for me, then he would have to waive the fee for everyone and he wouldn't want to lose money. He claimed to have provided a credit to offset the points, however the credit was on the initial loan estimate so that was a false statement and I couldn't do anything at that point. This type of predatory lending and his attitude was unprofessional and disappointing. I couldn't delay the closing any longer so I signed the mortgage papers. If I could go back I would pick a different lender just because of this manager. I do not recommend using his services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I purchased an " XXXX XXXX '' smart home accessory on XXXX for {$200.00}. The promised ship date was XX/XX/XXXX. Months have passed since that date with no delivery date in site. I contacted the manufacturer multiple times for a cancellation and a refund but they will not respond. The owner of the commerce site where the item was purchased, XXXX, will not assist and defers questions to the manufacturer. 

I contacted Chase to dispute the charge but after a lengthy review process they denied my claim because too much time had passed! That is exactly why I am filing a dispute. I contacted Chase and they said they would/could not help me and any further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 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: ERC
State: MA

Complaint narrative:
XXXX XXXX XXXX for amount of {$1200.00}. I have sent XXXX XXXX XXXX a debt validation and XXXX XXXX XXXX has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: PA

Complaint narrative:
I have a timeshare mortgage with XXXX XXXX in XXXX XXXX, NJ. I am actively working to legally get out of my contract with a timeshare release company. XXXX  has been notified and has been corresponding with me and the company about the timeshare release agreement. However, XXXX  under the name XXXX XXXX XXXX recently reported my account as past due to the Experian credit bureau. I was not even notified about this until my credit was ran for an unrelated matter. The delinquency for XXXX XXXX only appears on one credit bureau, Experian. I have contacted XXXX and XXXX XXXXl ( who is their third party billing company ) to dispute the balance they have stated as outstanding. XXXX  is claiming I owe them {$6200.00} but this is inaccurate. I have been paying a fixed monthly payment of {$110.00} from XX/XX/XXXX to XX/XX/XXXX. This payment was withdrawn automatically from my credit card each month. I have monthly credit card statements to verify it was being paid. The original amount financed was {$6000.00}. So, I can not understand how I could owe them more than what my contract states if I have been making payments for almost 2 years. I called XXXX and they would not explain it to me or provide me with a breakdown of how they came to this amount. I requested a copy of the billing statements they claimed to have sent me and the person I spoke with told me to call their legal team and would not assist me any further. I have a right to question the validity of the debt that is put under my name and tarnishing my credit. If XXXX XXXX are not willing or uncooperative in providing this information, I want the delinquency removed from my credit report.

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 2018-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I took out a home equity line of mortgage with Chase in XX/XX/XXXX in the amount of {$10000.00}. From XX/XX/XXXX until XX/XX/XXXX Chase sent my coupons to another person in XXXX XXXX at the request of my husband. The other person was a CPA and together they did not want me knowing the home equity was being used with out my permission ( noone was paying the home equity either. I had no idea The balance went from {$4.00}, XXXX to XXXX, XXXX in one day ( XX/XX/XXXX ) to XXXX XXXX by XX/XX/XXXX and then to {$93.00}, XXXX by XX/XX/XXXX all with out my consult. 

If it was ok to do this without my permission why did they call me for payment. 
If I had no idea why should I have to pay?. That was XX/XX/XXXX. Chase is a major household name. If they did this to me, How many other people did they do it to. 

To have a major name do this to a human is unfair and unjust. It increased my XXXX no end. I was crazy with XXXX to the point I would do nothing else but pay them XXXX a month for 4 years. BOTH PARTIES SHOULD BE NOTIFIED NOT ONE BUT BOTH SIGNATURES. WHY IS IT OK TO SEND TO A STRANGER IN XXXX XXXX????? Chase should have seen the payments were not being made and looked to see why? My XXXX increased so bad. After I made the last payment I have not been able to hold since XX/XX/XXXX. I finally paid it off. This is wrong a persons coupons can go to a stranger in another state. because the other person on a loan said so. How many other times was this done? I would say at least XXXX times. I would like this investigated as to why both parties do not need to be aware? how many times Chase did this to people. I would like to have no XXXX like the days before my home equity. I would like to have a job again. The shock of knowing this is ok for a bank to do is incredible. It has caused so much XXXX I can not function. PLEASE INVESTIGATE THIS IMMEDIATELY. It is wrong of Chase to do this. If I had no idea, why dis chase hole me accountable to pay the home equity.? I should not have been responsible to pay since you never send me the coupons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Schreiber Law Firm, PLLC
State: FL

Complaint narrative:
The XXXX XXXX XXXX is the company in question. I had been receiving calls from a XXXX number asking to collect a debt for weeks. In the call in prompts you to dial 9 to be connected with a representative.Every time I pressed 9, the call was never answered. I would attempt to call the number directly and they never answered either. Finally on Tuesday, XX/XX/18, when they called again I pressed 9 and after several rings someone answered. The person who answer asked me for a case number. I informed him that his company was calling me. He interrupted me and said you need to listen to the instructions on the call. He was rude and very short with me but soon after told me that they were going to subpoena me if I didn't pay the debt owed and levy a judgement on me. I informed him that I have perfect credit and don't have any outstanding balances. He said that is not what he has in the system and if I want avoid them coming after me, I better pay the debt. He did not explain where the debt originated from and only antagonized me to pay up.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.

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 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: K2 Lending, Inc.
State: CA

Complaint narrative:
When I refused to sign anti-steering form he reluctantly agreed to send me a comparison that I requested - with lender credits. But the interest rate ( not talking about the APR which I expected to be higher ) went up .25 %. The lender skirted the question when I put it to his attention that the rate with .41 points was lower on that day - and it feels to me like it is a penalty for me exercising my rights. 

Lender stated ( in writing ) that he charges no processing fees. The he sent me a CD with a {$520.00} processing fee. He explained - in writing - that is is going to their 3rd party processor. But that processor is in-house! How can that be considered a 3rd party? 

In determining my debt they are using second party sources and ignoring first party sources. There is incorrect student loan debt on their source and they refuse to use the original debt processor - XXXX, preferring to use incorrect secondary reporting. 

While paying off minimal credit debt ( around $ 2K total ) the won't take a CRA or printout as proof but want written letters from the banks after giving me under 10 days notice to make the payments - essentially creating an impossibility - as they want something not within my control. BTW, I paid the debts immediately. I carry no other debt besides the student loans and a mortgage and have a FICO over 800. They insist that I pay down substantial student loans that are overstated - which they are or should be aware of. 

Thanks for your help and guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I disputed this XXXX bill of {$66.00} with XXXX XXXX having already disputed with someone else and mailed information to the company proving that I was not in the area at the time they were trying to collect the debt. Nothing happened except they passed the debt to another company. 

On XX/XX/XXXX I received another collection notice from Afni, Inc. only this time they do not give me my rights to dispute the debt and are now trying to collect a XXXX amount of {$66.00} and a notice that they will take a discounted amount of {$43.00}. 

I am attaching a disputed letter to Afni, Inc, disputed letter to XXXX XXXX and a copy of the collection notice from Afni, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
In XX/XX/2015 I went to see my primary physician who was set to retire. According to the collection agency I owe for the visits but have a letter from my insurance provider it was paid to the hospital. During this time I was also made aware all my sensitive information was hacked from XXXX including my social and medical records. The doctor I saw no longer works for XXXX XXXX which I believe is making this problem harder to solve. 

Over the last 3 weeks I have called the collection agency and sent them documents with no response. Orginally I called in saying I had proof of paymeny and they didnt want to except it. I had to ask for a supervisor and get a run around before a WRONG EMAIL was given to me. I had to call back go through the same hassle and ended up with still no response from 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 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I made a deposit to my account on XX/XX/XXXX at a pnc atm for {$7500.00}. I then received a notice that the deposit was being held because the check appeared altered. I did not write on nor alter the check, I was told that I was attempting fraud on the account and that's why it was being held until XX/XX/XXXX. I checked my account on XX/XX/XXXX to see if the funds were in fact released, I was then transferred to XXXX in the loss avoidance department who proceeded to tell me that the hold was on the funds until XX/XX/XXXX. I asked her if it was customary to hold a check for 6 weeks, to which she told me yes, if the check appears to be fraud. I stated that she is accusing me of fraud. She also stated that if I had a problem with the check I should reach out to my bank. I advised her that PNC is my bank and I am reaching out to you. She then hung up the phone on me. I have called in to the customer service department several times regarding this check, I was told by one loss avoidance associate that if I provided the number to verify the check that it would be cleared. I did that and was told the number was unacceptable. The check is from a lawsuit that I was a party in. The settlement claims administrator can be contacted at XXXX XXXX XXXX, XXXX XXXX. I understand a reasonable hold but to be accused of fraud and to then have an item placed on hold for over 6 weeks seems to be punishment for being a PNC customer, on top of being disrespected by being hung up on. Also, if I am being accused of altering the original check why wasn't the original requested to be sent from the branch to loss avoidance so that it could be seen in person. I have also deposited a separate check from the settlement drawn from the same bank which PNC cleared. I have not received a separate letter for the 6 week hold. I requested my check be returned to me and was told that it could not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
I am a monolingual Spanish speaker, and a bilingual person typed this for me. Please correspond with me in Spanish. 

In XX/XX/XXXX, XXXX XXXX, cold called her. Shortly after, a sales representative for XXXX XXXX XXXX, came to my door offering to sell me a tutoring system for my XXXX year old daughter. XXXX XXXX told me that she could receive one-on-one, in person, tutoring services from one of your academic tutors once a week in our home. I was also told that there was a companion application-based course program. XXXX XXXX had us complete documents for contracts with both XXXX XXXX XXXX and Equitable Acceptance Corp. I paid a {$100.00} deposit. 

Originally, the first appointment was scheduled for XX/XX/XXXX. Your employee failed to appear at the appointment, and gave an excuse about some problem. Subsequent appointments were also missed with different excuses. My daughter has yet to receive a single tutoring session. Furthermore, I downloaded the app, but am unable to access the content. I have contacted your company repeatedly about these problems with no satisfactory response. 

Moreover, I have been made aware that XXXX XXXX XXXX, via the parent company XXXX XXXX XXXX, has had its corporate status forfeited by the California Secretary of State. Additionally, Equitable Acceptance Corporation has had its corporate status suspended by both the California Secretary of State and the California Franchise Tax Board. 

I wrote a letter to XXXX XXXX XXXX and Equitable Acceptance Corp. I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I recently had some negative information reported on my XXXX, Equifax and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX XXXX Report Number XXXX Equifax SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These number do not belong to me!! 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached proof of my address in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
While checking credit report, I found this DEBT from XXXX. I have been a victim of identity theft and fraud. I have never used XXXX and never received letters about this DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Two investigation fees were charged to my account on XX/XX/2018 for {$400.00} and XX/XX/2018 for {$150.00} because they said they could not locate the car. The car is driven by my son who resides in XXXX and I reside in XXXX. I was never told that these fees would be charged in any of my correspondence with Honda Finance representatives and they will not take these fees off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I apologize if I have submitted the wrong form. I am not sure if this is a credit card issue or bank account issue. 

I recently applied for a credit card with Bank of America ( " BOA '' ) and was approved immediately. I had a dormant BOA account with a minimal balance ( under {$20.00} ) that I hadn't used in years and just forgot about. When I logged into my BOA account to check my credit card balance, I noticed that my dormant BOA account had a negative balance. BOA started charging me a monthly maintenance fee since I applied for the card. BOA had not been charging a fee during the dormant period. 

I spoke to BOA credit card today and they have no clue how this happened. They spoke to the deposit department who said I needed to bring the account current and then the account could be closed and the fee would stop. The BOA credit card representative said the credit card would reimburse whatever I had to pay to become current. 

The reactivation of my dormant account upon receiving a credit card was never disclosed to me. The credit card department said this should not have occurred. This seems like a sneaky XXXX XXXX like trick on consumers.

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 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: LA

Complaint narrative:
I have been disputing a medical debt collection notice from " XXXX '' since XX/XX/2017. I received a notice from XXXX XXXX that they had disclosed an account from XXXX XXXX  XXXX for {$420.00} up for collection, opened on XX/XX/2017 on my XXXX report. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX using XXXX XXXX. 

I also received the exact same amount from a separate debt collector, " XXXX XXXX XXXX XXXX '' that I sent in a separate claim about for XXXX XXXX XXXXXXXX XXXX. They have closed that account. I still have not received any mail or calls referring to this matter from XXXXXXXX XXXX XXXXXXXX or the XXXX XXXXXXXX, and therefore can not be sure of its validity or that it is even my debt in the first place.

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 2018-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am currently in a Debt Relief Program. XXXX XXXX called my place of employment @ XXXXest, XX/XX/XXXX. Asking the receptionist to speak with my husband or myself. 
Then again, another phone call on XX/XX/XXXX @ XXXXest. They have my cell phone number but are attempting to reach my at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.

Company response to consumer: Closed with explanation