vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax credit report constantly consist of errors from dispute comments being on accounts that AREN'T being disputed to Equifax readding items previously removed but not providing notice to me the consumer that items are in fact reapplied to my credit file. please see accounts and problems noted below 1 ) XXXX XXXX XXXX XXXX/XXXX account # XXXX Equifax needs to remove dispute comments account is not in dispute 2 ) XXXX XXXX XXXX XXXX/ XXXX account XXXX XXXX Equifax needs to remove dispute comments account was resolved months ago 3 ) XXXX XXXX XXXX XXXX account XXXX XXXX Equifax needs to remove dispute comments resolved months ago 4 ) XXXX XXXX XXXX XXXX account XXXX XXXX account was removed from credit file in XX/XX/XXXX, today it reappeared with no payment history, no account term or details no date of last activity and a delinquent note of XX/XX/XXXX why is this reapplied 2 years later with no notice to me the consumer or account details There has been no communication to me from the creditor in over 3 years 5 ) XXXX/XXXX XXXX account # XXXX balance on the account states {$110.00} I have disputed this account several times even provided account statement showing account has a XXXX balance Equifax needs to update the account balance to reflect XXXX balance Equifax stated they previous investigated the account but report shows no payment history since XXXX and date of last activity as XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. 
Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. 
The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. 
Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet emergency financial needs during Family crisis  at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek Credit card Debt relief and/or Chapter XXXX Bankruptcy methods.

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 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recover, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I was required to leave for military training. However, on XX/XX/XXXX, while still in XXXX XXXX XXXX status, a collection was reported on my account by Rent Recover of XXXX. It is my understanding that under the Service Members Relief Act ( SCRA ) all debts occurred while on XXXX XXXX that were open prior to me leaving are forgiven. Furthermore, this debt was removed before and has been recently re-added to my report. I am requesting an immediate deletion of this negative remark.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: GA

Complaint narrative:
I recently received a notification from the credit bureau of a collections account from XXXX XXXX XXXX reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate. I fear for my safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I just learned of your legal action against Navient ( Sallie Mae ) and several other student loan companies. 

I have filed two complaints with the CFPB since XX/XX/XXXX, and would like to join your action against these institutions if possible. 

I filed Complaint ID XXXX in XX/XX/XXXX against Sallie Mae ( before Navient took over ), and this issue is still " open. '' In XX/XX/XXXX, I filed another complaint against the same entity, now known as Navient with Complaint ID XXXX, and this issue appears to be " closed '' even though this issue was not resolved, and Navient continues it's unscrupulous and most likely illegal practices. 

My contact information is below, and I would love to be able to add any assistance to let justice prevail for my family and countless others. 

Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Capio Partners , LLC has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Capio Partners , LLC The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b  ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Capio Partners , LLC is practicing UNJUST ENRICHMENT. I NEVER RECEIVED ANY NOTICE OF THIS COLLECTION..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
all 3 wiped out ALL records of 2 car payments over several years and ALL mortgage payments back to XX/XX/2005 ... ..when we " disputed '' that we were paying and no payments were showing up ... .never missed a car payment ... missed one house payment before bankruptcy ... but it seems that in each case what we type is not read ... .and the system defaults to an automatically generated statement " dispute '' and then the file is expunged .... totally -- -- -- our credit is XXXX ... .we pay ~ {$2000.00} every month ... .Bankruptcy discharged 3 years ago ... ..but we don't understand why -- -- -if we pay -- -- -there is no record ... ... we could not get any confirmation of payments ... ... ..any payments ... ..so why should we pay????????????? we want to keep the house and cars ... .we think we should pay ... ..but there is no credit record we have for these payments ... ..why should these payments not be counted????

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 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I am an XXXX XXXX  XXXX and was charged a higher interest rate and feel that added fees/incentives were tacked on to my sales price. Per an article in the news, " Today the Consumer Financial Protection Bureau ( CFPB ) and Department of Justice ( DOJ ) resolved an action with Toyota Motor Credit Corporation, under which Toyota Motor Credit will change its pricing and compensation system to substantially reduce dealer discretion and accompanying financial incentives to mark up interest rates. As part of todays order, Toyota Motor Credit is also required to pay up to {$21.00} XXXX in restitution to thousands of XXXX  and XXXX and XXXX XXXX borrowers who paid higher interest rates than XXXX borrowers for their auto loans, without regard to their creditworthiness, as a result of its past practices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XXXX XXXX - Loan # XXXX XXXX XXXX XXXX currently has a reverse mortgage with XXXX XXXX formerly Nationstar Mortgage LLC. I took a reverse mortgage on my property on XX/XX/XXXX with XXXX XXXX XXXX. In XX/XX/XXXX I fell behind on my taxes due to a hospitalization that lasted longer than expected. I fell behind and was not able to get caught up due to living on a fixed income. I reached out to Nationstar and XXXX in XX/XX/XXXX with my daughters assistance. For three months they stated that they were sending the forms out and I never received them in the mail, finally in XX/XX/XXXX, I received the forms that needed to be filled out for a HUD at Risk Extension. I filed my paperwork in XX/XX/XXXXand sent additional information over in XX/XX/XXXX. On XX/XX/XXXXm I my extension was approved and then on XX/XX/XXXX the law Firm XXXX XXXX, XXXX entered a civil case against me. I was then served paperwork and had to appear for court on XX/XX/XXXX. I do not understand why the lawsuit was filed against me on the XX/XX/XXXX when the HUD At Risk Extension approval was completed on XX/XX/XXXX. If the mortgage company would of provided me with a the documents requested in XXXX then I would not of received the law suit. I was approved for the HUD At Risk Extension on XX/XX/XXXX and XXXX XXXX generated and sent me a letter on XX/XX/XXXX, almost two weeks after I was approved. Which this allowed for enough time for the law firm to file the law suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRSTBANK
State: CO

Complaint narrative:
It's been a month now since I tried to open a savings account for my new business so I could keep it separate from my regular accounts which I had for over 10 years. 
As soon as I walked in and handed the check I wanted to deposit the girl started right away to tell me that checks received from XXXX XXXX XXXX are suspicious. Well she opened the account but later that evening she called me and told me that the check was not going to be deposited because they needed to do an investigation. Investigation that made me feel that I was trying to make fraud cashing a bad check, they tried to contact my client ( check issuer ) to find out about what? Me? It made me feel like I was the target of mistrust or discrimination ( a XXXX with a check? ). I requested an explanation and the closure of the account. they gave me a letter that practically says to cash those checks in another bank or the issuer bank which is over 50 miles from where I live. As of today the account still shows opened, I only hope they don't charge for a XXXX balance fee. If they want to catch criminals they should do it with the proper institutions or not receive the check at all, it's not their job to investigate their clients or is it only me? 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX XXXX   {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXXXXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I noticed an entry on my credit report dated XX/XX/XXXX from a company called Paramount Recovery Systems. The debt original creditor was XXXX XXXX XXXX XXXX. I called Paramount to ask what this was for and they said for medical services received in XX/XX/XXXX. I asked when and to what address they sent the first notification of the debt to me, and they had the wrong address ( which was unknown to me how they obtained the address ). So I advised them they are in violation of FCRA law because they were aware they had the wrong address especially due to the returned mail, yet, they placed the entry on my XXXX credit report anyway. I contacted their client XXXX XXXX XXXX XXXX and they admitted to sending the account to them with the wrong address. They claimed they had nothing to do with the credit reporting, and I would need to speak with Paramount with regard to the debt. So, the rep I spoke to at Paramount said she would begin a research request and said I would be transferred to a supervisor. I am not sure if that actually happened because she just transferred me to a general mail box. I did leave a message however. I then used their contact us link on XX/XX/XXXX ( same day as the voice mail I left ) and on XX/XX/XXXX. I explained just as i have here that it is illegal what theyve done but they refused to admit fault or correct the issue. I also looked their company up on the XXXX and they appear to do this often to consumers. To date Ive not gotten an email or phone call in regards to the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
Company offered {$2800.00} loan to my husband at 24 % interest without disclosing " customary fee '' which brings total to 160 % interest. Company says this fee is not interest " for the purpose of Tennessee law ''. 

I asked about protection under the military lending act and they said they never heard of it. They said " the state regulates the interest amount ''. If that is the case, why is their outrageous fee " Not interest for the purpose of Tennessee law ''? 

Paid {$460.00} this month. Principal balance dropped by {$78.00}. 

Next payment due is {$630.00} Company said payment will be different every month. How does an installment loan have a different payment every month? How can it ever be paid off if it accrues over {$400.00} in interest per month? 

He was medically seperated from XXXX XXXX due to a XXXX XXXX XXXX  causing XXXX XXXX XXXX   XXXX XXXX, XXXX, and XXXX XXXX. He is XXXX XXXX XXXX and his only income is VA XXXX. 

This company is preying on people like XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
The bank discriminate against me took my name of the mortgage refuse to give me any information about the loan and how i can save the house and trying to forclose on it .they been so hateful to me telling me they do not know me but yet i got a letter from.the lawyer that they are foreclosing on the house and i cant get involved in saving it and told me do what you have to do we do not care i do have the name and the number of the guy that refuse to deal with me And they need to wuit sending buyers to lool aroumd and remodeling compagnies for estimates ome of them destroyed my plumbimg and electric when i m tryimg to get help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
received call from number XXXX. Hung before I could answer called back. XXXX XXXX XXXX- have and numerous communication with them of the past few years attempting to collect for past phone number owner ( XXXX XXXX XXXX ). Called back this time and was notified numerous times that this was recored, all information collect was to collect a debt ... ... 
Got operator and provide operator with my home number XXXX ... asked who she was speaking to and advised her I was not supplying that information. She ( her company should know who they are attempting to contact I have had other debt companies similarly and response with the XXXX name, and when I reply that that is not me ( I have had this number over 10 years now ) they will take me off the list. operator still insist on me providing my name. I ask to speak to a supervisor. After 5 minutes she returns advises me that a supervisor is not available. I again request that then this number need to be removed from this list since she can't validate who they are attempting to contact ( or won't ) she refuses. I say that any future calls will result in a complaint being field she say that's fine we'll just call again. I responded with are you serious that you just said you would just keep calllling and she hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I opened the Choice checking account ( Account # XXXX ) at HSBC bank onXX/XX/XXXX. There was an opening bonus of {$200.00}. I have met all the requirements to qualify for the bonus but the bank is not posting the bonus of {$200.00} to my account. I talked to them and they say that since I had an credit card account prior to opening the checking account I do not. qualify for the bonus. The two are entirely different products and the two are not related to each other. I printed the offer terms when I opened the account and I have created the following attachment 'HSBC Choice Checking bonus {$200.00} promotion -Old Offer '. It is a .jpg document and it shows that under the terms there is no mention of any credit card account being the reason for disqualifying the bonus. These were the terms at the time of opening the checking account. it does say that the offer is for opening a new checking account which it was since I never had any checking account with HSBC before. 

I have created another attachment 'which is the current offer 'HSBC Choice Checking bonus {$200.00} promotion -New Offer '. This document is a text document and ithe terms are very similar to the similar to the other document ( the Old Offer ) showing that there are currently offering the same promotion and again in the new offer there is no mention of the credit card account being the problem. 

The following attachments are the bank statements form XX/XX/XXXX through XX/XX/XXXX showing that I have maintained a minimum balance of {$1500.00} all this time. This was their main requirement for the qualification of the {$200.00} bonus HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement All these documents show that I have met and satisfied all the requirements for the {$200.00} bonus offer according to the bank terms in the offer. The {$200.00} bonus should be posted to my account as soon as possible. If the bank still claims that I do not qualify then their offer was very misleading. 

Please let me know if any additional documents are needed in support of my compliant.

Company response to consumer: Closed with explanation