vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 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 — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I applied for a HSBC credit card which was received in XX/XX/XXXX and was activated. I had conversation with a person at my bank and was told that HSBC customers had problems with customer service and to check the online reviews of the credit card. I checked and found out the reviews were not good. Therefore, I disposed of the card prior to making any charges. I received a bill showing that 8 purchases had been made on the card from XX/XX/XXXX to XX/XX/XXXX in the amount of {$110.00}. I attempted to phone HSBC numerous times and was placed on hold for long periods of time before I had to hang up. Finally, I spoke to a HSBC representative and was told the card had been suspended and could not be used. Based on this information, I felt I had satisfied my obligation in telling HSBC I did not make the charges and did not have the card. On XX/XX/XXXX, I received a bill for {$350.00} ( {$110.00} worth of charges and {$230.00} in fees ). The same day I called HSBC and waited on the phone 1 hour and 15 minutes. I never did speak to a representative. On XX/XX/XXXX, I wrote a letter to HSBC stating that I never used the card. I called again on XX/XX/XXXX and XXXX, XXXX. On XX/XX/XXXX, I spoke to XXXX at HSBC who told me the card had been stopped and to file a police report. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX saying this issue had been assigned to them for collection. The amount was now {$390.00}. On XX/XX/XXXX, XXXX XXXX sent me a number of statements showing the bill of {$390.00}. In discussions with XXXX XXXX XXXX XXXX I was told that if I pay {$300.00} it would serve a full payment of the charges. I responded by saying that since I did not make the charges, had spoken to HSBC and explained the situation, it would not be logical to make payment. I have written two letters to HSBC and one to XXXX XXXX. It is very difficult to speak with anyone at HSBC and this matter has become totally frustrating. Our credit rating is outstanding and we have never experienced a situation like this. I have gone to the local police department on two occasions, most recently XX/XX/XXXX, and was told they do not handle such a matter and was advised to contact HSBC Fraud Prevention. I have done this. Could you please help us? Thank You-XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have an account with Capital one Bank. There was {$340.00} in the account that I didn't touch for more than 3 years. When I check my account online on XX/XX/2019. I saw that I was charged {$180.00} by a company called " XXXX '' which I never heard of before. I was also charged {$44.00} for service fee by Capital one bank. I called Capital one bank 's customer service to dispute all the unauthorized charges, he said " We deposited a temporary credit ( s ) totaling {$180.00} into your account today, which are available for immediate use while we're looking into this. We're also adjusting your account ( s ) for any related interest, finance charges and/or fees within one business day. '' on the phone and in the E-mail, but Capital one bank never give me the related finance charges fee back which is {$44.00}, in stead, they charged me another {$8.00} on XX/XX/XXXX. I called them 2 times after the first conversation I had with them. They switch me to 5 or 6 different people for the same issue with no answer still. I asked them 2 simple questions, if I can get my money back for the service charge? was it my fault the minimum balance was under {$300.00} limit when someone stole money from my account without my knowledge? none of them answered my question. they kept telling me I didn't keep my account with minimum balance, the bank has to charge me service fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Media Collections, Inc
State: NM

Complaint narrative:
Company trying to say that they are calling from a debit collector. Tried to verify my personal information. When I stated that i would not give out that information they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i wrote to capital one where i have 3 cards in excellent standing and a XXXX credit score XXXX i just get scripts back i should be approved for savor card or get detailed explanation as to why not what info are you basing it on? It must not be correct. please tell me WHAT specifically is preventing you from giving me the card. 
i have XXXX XXXX score XXXX XXXX XXXX XXXX  please tell me why i applied for XXXX card a few weeks ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I previously submitted a complaint in regards to the incorrect information that XXXX agents have provided me. However, just recently I spoke with 2 supervisors who confirmed that the repossession reporting on my credit profile for XX/XX/2018 is in accurate.

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 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
In XX/XX/XXXX my loan was sold to Statebridge company, LLC.From the day 1 have problem with this company.People in customer service can't answer on simple question and every time when I call and speak with representative I get different answer. 

In XX/XX/XXXX from escrow account was paid county taxes $ XXXXIn XXXX I seen that I still owe county taxes and amount bigger than previous what I paid. I called to customer service and I didn't receive reasonable answer.In XXXX the story repeated.I still owe county taxes with bigger amount.The last drop was when I received Escrow Statement .In this Statement shown I owe {$3900.00} and this amount will pay in XXXX and I have shortage in escrow account $ XXXXMy monthly payment will increase on {$200.00}. The new payment start in XX/XX/XXXXHow it can be!!! The county taxes pay 1 time in a year and I already paid!!!! .I called to Customer Service , nobody could explain me and not transferred my call to Escrow department , I wanted to talk to representative who make this statement, because he or she looks such incompetent person.I told to Customer Service representative that the Statebridge Company owe me money, because it will overpay in my escrow account.For this big issue I want the Statebridge Company review and fix this wrong escrow statement and cancel my escrow account, I want to pay my taxes and insurance by myself without be upset and nervous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed a loan against my home put on my report by XXXX XXXX XXXX, completely fraudulent. I have fought with them on the phone and via online complaints. They harassed me at work to pay a loan i knew nothing about. explain to me who gives out a loan to someone without even a signature? Was this something online and someone typed in my name and you start calling me at work to tell me I have to pay it? It was supposed to be a loan against my home. To say that there had been adverse complications because of this would be putting it mildly. it has been over six months since my last online complaint, I believe I did it through XXXX  XXXX. And once again this company for tests that their information is true. They have yet to provide any paperwork showing that I ever took a loan out against my home, which was paid off. This is beyond ridiculous that it has dragged on for over seven years. No its not even showing on my credit report and I hear that company has been sold several times. I dont know how to track them down at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
I have continually asked the bureaus to remove two accounts from this collection agency that harasses myself and my family. They create fake accounts without validation and proper handling of disputes and they are all over the internet scamming people. I have disputed this account many many times and sent over my medical information with no response except more calls and voicemails. I am not responsible for any bills and any bill was never sent to me to verify, dispute or even be aware of. I ask that this company stop contacting me and they refuse and say they will ruin my life and my credit and they put collections on all of my credit reports and say they can keep it 10 years. they only want full payment, even after i send letters and paperwork back with insurance claims aleady paid. 


these accounts never had bills and never waited a fair amount of days before putting this collection against me. They said they dont care and they straight only put collection. 

this is too old and almost 10 years ago, why are they pursuing me? I dont even have that same insurance that covered back then. 

they claim I owe {$820.00} and {$200.00} accounts number # XXXX and # XXXX ( FAKE ACCNTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I checked my credit last month and discovered a new collection. I had never received any letters stating I had a balance from the original creditor or the company that bought the debt. I called and spoke with Ability recovery service who told me the account is from XXXX XXXX XXXX emergency from XX/XX/16. On XX/XX/16, I did have a visit with XXXX XXXX. The visit was billed to my primary insurance XXXX and my secondary insurance XXXX  XXXX. The visit was billed past timely filling and both insurances denied the claim as timely filing and left XXXX patient responsibility. XXXX XXXX, in particular, is a government plan and it is illegal to bill amounts not approved by XXXX  XXXX on the explanation of benefits. I have attached my Explanation of Benefits from my insurance.

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 2019-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a student loan with Nelnet that I started paying in 2012. At that time, the monthly payment was {$220.00} per month for more than three years. Then, without any notification this increase to {$330.00} per month. Now Nelnet increased to {$370.00} a month. This is a high amount that I have had difficulty paying. I contacted Nelnet and they did not give me any convenient option to make my payments in an affordable way. In addition, they informed me that the loan will be paid in full within ten years from now and this was the same information I was given when I started making my payments in 2012. The total of my debt is {$25000.00} and in ten years I'll end up paying about {$45000.00}. Nelnet must provide accurate information about the payment plans and respect the established conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MD

Complaint narrative:
On or about XX/XX/XXXX, we began working with XXXX ( Case-ID XXXX ) to avoid foreclosure and obtain a loan modification on our home loan. We're an elderly couple in our 60 's and 70 's with health problems. The loan was assumed by XXXX XXXX  XXXX around XX/XX/XXXX. I learned today, the property has been wrongfully foreclosed on around XXXX and the lender or the courts failed to notify us and failed to show at a mediation hearing set in XXXX XXXX XXXX County Court on XX/XX/XXXX they canceled it. To date, nothing has been informed to us and we need a translator. However, we learned today, the property was foreclosed on and we have no understanding why? The lender had asked we get more income given our SSI wasn't enough. We have taken in two renters only to learn they've illegally foreclosed on the property for owing less than $ 80K in past payments. I seek emergency help in this matter. The property is more valuable and we could have opted to sell versus an illegal foreclosure. I beg for assistance as soon as possible. One of the renters was a furloughed employee so we have delays in getting our rent in the past months as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To whom it may concern, Re : XXXX ( DBA of Paypal ) I am not a XXXX   customer, but my credit card information was stolen by a XXXX  account holder. 

I contacted my bank ( XXXX ) regarding fraudulent charges and their internal investigation is currently underway on my Visa card ending in XXXX I then contacted XXXX and this is essentially what they communicated to me : Go away, we won't help you. ( pretty much just like that ).

No, you can't speak to a manager. 
We can't or won't act on the transaction information ( of which I have dates, transaction numbers, amounts, etc. ) to make any inquiries. 

Essentially, we don't care, and we're not going to do anything about it. 

Before you ask, yes, as I said, the investigation is underway with my bank, BUT due to the aggregation of transactions through a single entity ( XXXX ) we can't see in what state the transactions occurred, what persons or businesses were paid, and other information critical to understanding how/where/when this security breach occurred in order to stop future fraudulent transactions, or change the way in which I use my card. For example ; If XXXX requires the 3 digit security code from the back of the card, and/or other verification processes, they would not share that with me, in fact, they basically told me to drop it. 

I'm not dropping it. XXXX needs a serious rethink on their consumer fraud policy. 


I appreciate your time and attention. 
Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: LoanCare, LLC
State: AZ

Complaint narrative:
XXXX XXXX has put a late payment on my credit from XX/XX/XXXX. I was hospitalized for that entire month and the payment had been sent via mail however they had not processed and I had no notifications. Once out of the hospital everything got cleared up however they still hit me on my credit report as a late payment, I have never had late payment with them and still have the account open. The account has been established since XXXX XXXX XXXX has put 2 lates on my credit report XX/XX/XXXX and XX/XX/XXXX. I was involved in a lawsuit and in order to accelerate and end the lawsuit I was forced to not pay the mortgage as the other party kept making me make payments for a house that was no longer mine. We had an agreement with the party that title will be moved over at his name and he would take the mortgage and refinance me out within 6 months. I had no interest on the property and the other party needed to get it off my name. It went 6 months or more and nothing was done so I had to do a lawsuit. The mortgage company was aware of this and said its ok. Now I am hit on credit due to this issue.

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 2019-02-06 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. 


LIST OF FRAUDULENT ACCOUNTS 1 ) SANTANDER CONSUMER USA 2 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my DEPT OF ED/NELNET student loans. Please note, the only time Ive ever been late was in XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late.

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that Nelnet remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Have repeated asked creditor for verification of debt under to 15 USC 1292g Sec. 809 ( b ) of the FDCPA, asking for : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any judgements obtained by any creditor regarding this account. 
Name and address of the alleged creditor. 
Name on file of alleged debtor. 
Alleged account number Address on file for alleged debtor. 
Amount of this alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Creditor has repeated not provided only providing alleged amount. 

I have sent creditor cease and desist demand for phone calls to myself and friends and relatives. Continuing to have harassing phone calls to my friends and relatives.

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