vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I have been receiving at least 10 phone calls a day from XXXX XXXX at XXXX for the past month and a half. I have had to block them and they still keep attempting to get through. I also have written to HSBC numerous times to advise that they contact me via correspondence. They keep telling me that I have to call XXXX. I keep telling them to address me via email or written correspondence and that I do not answer telephone calls, please stop. We are going in circles and the telephone keeps ringing and has become intolerable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: FL

Complaint narrative:
On the XXXX I was making a purchase from XXXX website for {$450.00} and after two transactions hit my bank for {$510.00} and {$540.00}. Called Bank of America right away and they reverse it. While the funds were not applied to the available balance, according to BOA it would take 24 hours. I waited 24 hours called back and was told that the money had been reversed already and but theres was major discrepancy. Fraud department agent put me on hold for 15 mins. And came back and told me that it was reversed. But that we should wait another 24 hours that the last agent should of given it more time just in case but typically thats how long it takes. That was yesterday. Today I woke up checked my bank and theres was nothing showing these transaction, had even occurred. Everything was erased. Reversals and the charges. Thanks XXXX I took pictures and documented everything from the beginning! This is very bad. My own bank is stealing from me!! and this is not the first time they do this to me!! Money disappeared from The account {$1000.00} gone from the account. I went to the bank and the banker was looking at me crazy and even smile and laughed at me with the agent on the phone which was the fraud department as well, and lastly told me that theres was no case to open because they had already credited the account. Completely ridiculous. I took all my money out off all account. NOTE ** this was all on my business account! BOA IS SAYING THAT THEY CREDITED MY ACCOUNT ALREADY, thats should be in there recorded calls I am sueing and posting every where what your Financial institution is doing.

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 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I have repeatedly requested and been denied a credit limit increase on my Capital One credit card. I have also filed numerous CFPB complaints related to the denial of a credit increase. 

My last complaint filed with the CFPB I received a response from a XXXX XXXX stating that she could not approve a credit line increase at this time until she spoke to me on the the phone and performed a manual review of my account. She also stated she sent me a secure message to my Capital One account asking that I please contact her. She provided her contact information in that letter. 

I have left XXXX 3 voicemails to date and have not heard back from her. I also spoke to another representative in client services and I explained I could not reach XXXX. This client services representative stated she sent XXXX an email message requesting she call me immediately, again I have not heard from her. Also, I never received an email stating there was a message waiting for me in the secure message center in my Capital One account and when I went online, the secure message center has been discontinued/closed. 

I am tired of the run around by Capital One. I 'm tired of being denied a credit line increase when I have good credit, make all my payments on time, and utilize the credit I have. Even my CFPB complaints are responded to with inaccuracies and I 'm unable to get ahold of the representative to help me obtain a credit line increase. 

I have been offered a 0 % balance transfer and I would like to take advantage of that promotion, but am unable to do so without an increase in my credit limit. To note, I also have an auto-loan with Capital One and always make timely payments on that account as well. 

I am asking that a manual review be performed and that my credit line is increased to {$12000.00}. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Diversified Consultants, Inc ( DCI ) tried to collect on already invalidated, declared fraudulent account with XXXX XXXX. I have never owned a XXXX Phone or device in my life. I do not own this account and filed all the appropriate paperwork with XXXX and DCI to dispute the incorrect association of my name with this company. Both comapnies have assured me that I am not associated with this fraudulent account but DCI still filed a negative amrk against my credit today, XXXX/XXXX/XXXX. In violation of the Fair Credit Reporting Act and also in violation of the Fair Debt Collection Practices Act, they began making harassing phone calls in XXXX of this year using an auto-dialer to my cell phone, which I finally had to block. I sent them a " validation letter '' and they never replied. 

I just sent another, certified mail this time. I have now filed a complaint against them with the Georgia Division of Consumer Affairs, the Better Business Bureau of Georgia ( against DCI ), and against XXXX XXXX with the FTC 's Bureau of Consumer Protection. 


This is a lot of hassle they are putting me through for {$2100.00} that I do n't owe. They assured me the account was not associated with me any longer after following all the stops. If they do not remove the mark, my next step is small claims court here in Georgia for : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I will seek punitive and statutory damages and an injunction against them illegally re-aging debt in our state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am a frequent XXXX customer and a relative high credit card user. I received a promotional offer via email in XX/XX/XXXX to sign up for a XXXX American Express credit card. The promotion stated that I would receive XXXX bonus points and XXXX XXXX if I spent {$3000.00} within the first three months. I spent the required {$3000.00} within 2 weeks of receiving the card and I called XXXX twice in XXXX to inquire about when I would receive the promotional points. Both times that I called, I was told that XXXX would have have to look into why my points had not posted. I called again today, XX/XX/XXXX, and was told that an investigation had taken place after my previous calls and it was determined on XX/XX/XXXX that I was ineligible to receive the promotion because I had the credit card back in XX/XX/XXXX. Not only do I do not remember having this card, but I was shocked at how rude and disrespectful the customer service rep was being on the phone. I do n't understand why I would receive a targeted promotional offer for a credit card I was ineligible to receive the advertised promotion. To make matters worse, XXXX should have contacted me once they determined I was ineligible. I would not have continued to purchase items with that credit had I known I was ineligible. Now I have spent over {$5000.00} on this card and missed out on points with other cards that I would have used if XXXX XXXX had not been deceptive and misleading in their targeted offer. I am writing because I do n't want anyone else to have the same negative experience that I have had. Please let me know if you need any additional information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: MI

Complaint narrative:
On XXXX XXXX, XXXX, I called Capital One concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the Capital One puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with Capital One and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

Capital One states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with Capital One but they are unfair when it comes to this concern. I have looked up Capital One 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
The debt appears on my report. I attempted to pay off the account in efforts to get it off my report. When I called the company they have no knowledge of the account. The forwarded me to 3 other agencies who also could not locate the debt. I have attempted to resolve and want this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I am writing this letter on behalf of my father. I am his daughter and I just became care taker of his finances on XXXX XXXX, XXXX after he was hospitalized XXXX XXXX, XXXX. 
As I am currently reviewing my fathers finances, I came across his car note. I have many concerns about the contract being that my father is on a fixed income. 
He is requesting a reduction in the interest rate on the car payments. He requests you to reduce the current interest rate of 24.01 % to a more reasonable rate of 3.95 % so it is more in line with the current market rate for used cars. 
We have visited the websites of several competitors and notice that they are offering an interest rate much lower than what he is currently receiving. He stated that the whole process was confusing because of the electronic signature process. He was XXXX XXXX XXXX at the time and does not have a good understanding on todays technologies. After reviewing this information with my father, we feel that this contract is unfair. There is a scam that unscrupulous salesmen and load companies play on the elderly and I am hoping this is not the case. 
My father have been a solid customer with your company for the past 20 months and would appreciate your consideration of a lower rate on his account. You will find that he maintained an excellent history of payment with your company and would appreciate your consideration of a lowered rate at this time.

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 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo dealer services has a credit inquiry on my credit reports from 2017 I never applied for a loan with them in 2017

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 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I transfered XXXX from my bank account to COINBASE. I did it 20 days ago and I have n't recieved the money into my Coinbase account. I have tried to contact Coinbase via email and phone in several ocasions and I have not recieve any answer. Attached is the bank transfer confirmation for a faster solution to my problem. 

My Coinbase account email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
XXXX This is the complaints against American Express XXXX XXXX XXXX XXXX credit card. I closed my account and canceled the credit card on XXXX. I cleared all the debts and they agreed to close my account. 
Then I got payment reminder from XXXX in XXXX for some unpaid balance. I called them to inquire about it and they fixed the issue and confirmed they will close the account. It happened again in XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. I had to call XXXX all these months and spent lot of time talking to Representatives. In XXXX XXXX it happened again, then I called and clearly told XXXX reps that I will file complaints and shall my lawyers include in this matter. They fixed the issue in XXXX over the phone and confirmed it will not happen again. I still receive an Emails and Mails regarding unsettled balance again from XXXX, XXXX, XXXX, XXXX and XXXX. Now I am receiving an Mail from XXXX XXXX XXXX to pay the debts which I do not own at all. Now my credit score is getting affected. who is responsible for this? 
It is very disturbing for me. how many times I should settle this issue with them? it is total harassment and mental stress to keep calling XXXX for same issue again and again. I do not have time for all of this every month and I already wasted enough time this year for same issue. It is very frustrating that they do not take critical steps for this kind of situation Attached one PDF regarding XXXX payment reminder recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
We had applied for a loan for a 2nd home that we were going to rent part time. Our mortgage lender went ahead with the 2nd home mortgage and we closed XXXX XXXX 2017. The closing at the title company took about 20 minutes in which we signed or initialed about 50 times. After we got home we went through paper work and noticed a " 2nd Home Rider '' page that states the loan will be in default if we rent it. I called and emailed the mortgage lender the next day and he said the company does not offer investment home loans, if we wanted to rent the home we would need to go to another bank. This is going to cost us around {$2500.00} dollars to refinance with another bank. 

We want to be able to rent this property. We made that clear during the lending process. 

This compliant is being made against BMO Harris Bank. Our mortgage broker was XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I am writing in regards to my XXXX account. In XXXX of 2015, my account was severely delinquent along with many of my other credit card accounts. We called XXXX XXXX XXXX, a consumer credit service, and signed up to be on a debt repayment program. Each creditor was contacted and agreed to the terms of this program to receive a set monthly payment. Since that time, I have made each and every monthly payment on time to meet the agreed upon due date. I have not missed one payment or made one payment late. I have worked very hard to repay my debt and repair my credit. I have copies of each and every payment and the disbursement to the creditor for all payments I have made. Therefore, I am disputing that XXXX has continued to show a late payment for me each month that I have been on the payment program even though they have received a timely payment each month. This account has been paid as agreed each month and has not been reported accurately on my credit report. XXXX is the only creditor that has continued to report inaccurately every month and I request that this be rectified immediately by removing the late payments from my credit reports. I am attempting to refinance my home and this inaccuracy is preventing me from doing that. Once my house is refinanced, this entire account will be paid in full.

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 2017-12-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX, I called XXXX XXXX concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the XXXX XXXX puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with XXXX XXXX and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

XXXX XXXX states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with XXXX XXXX but they are unfair when it comes to this concern. I have looked up XXXX XXXX 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
On XXXX XXXX, 2017 AD Astra Recovery Services , Inc contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested AD Astra Recovery Services, Inc to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request AD Astra Recovery Services, Inc provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you AD Astra Recovery Services, Inc I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well. 

The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b  The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX, which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged XXXX XXXX creditor and I received communications from AD Astra Recovery Services , Inc. without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Trans union I have disputed an item 3 times and transunion always says it 's verified or updated I requested a method of verification and they refuse to send it and then sends out letters that I do n't quite understand their explanation but still send me their method of verification per fora 611

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 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and their collector, Convergent Outsourcing failed to properly inform me for when the dept was incurred, leading to believe that I was being Over Billed.

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