vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
To Whom It May Concern, I have a personal credit card with HSBC Bank. I have a credit balance on my card of {$150.00} ( meaning the bank owes me {$150.00} ). I requested that HSBC send me a check for my credit balance, but they have refused. 

I originally requested this check on XX/XX/XXXX. I was told the request was processed. 

After not receiving the check, I followed up via online chat on XX/XX/XXXX and was informed by the customer service representative that a check was mailed on XX/XX/XXXX. 

After again not receiving the check I followed up with the bank on XX/XX/XXXX via online chat and was told that it can take up to 7-14 business days for the check to arrive and that yes they had sent it to me. 

After still not receiving the check I sent a secure message to HSBC on XX/XX/XXXX to ask about the status of the check and to inform them that a further delay in getting this check was not acceptable. 

HSBC responded on XX/XX/XXXX indicating that they would not send me a check for my credit balance even though my most recent statement indicates they owe me {$150.00} in cash. 

I am requesting that the bank honor its debt to me and issue a check for the balance on my account. 

Thank you to all for assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX, while on summer vacation, I visited a Bank of America branch in XXXX, MI. At that time, I was approached about changing my checking and saving accounts to a type that would earn more interest. I told the person at that time that I did not want to give up my XXXX XXXX Checking Account, as they do not offer that  product today. She assured me that I would have all of the same privileges as I was currently getting and more. I explained that I might not have as large of a savings balance in the future and that I did not want to pay any fees. She explained that this new type of account would be better. IT IS NOT! 

Now that my balance is below {$25000.00} I will be charged {$25.00} per month for a checking account! I went into my branch in FL yesterday and they said they could switch me to a CORE checking account where I have to have direct deposit and {$2500.00} balance to have free checking. I asked to be switched back to the XXXX XXXX Checking Account, but they can not do that since they said they do n't offer that product anymore!! 

I have been a good customer at Bank of America since XX/XX/XXXXand I have never bounced a check and have always had a direct deposit. With this new CORE account, if I need to stop payment on a check, get a cashier 's check or wire funds, or if I have a nsf check, I will be charged large fees. Under XXXX XXXX, these things would all be free! 

I am a XXXX year old XXXX XXXX and I feel I was misled about the account Bank of America suggested I switch to. They did not explain that I could not revert to my old type of checking account. Looking back on this visit in XXXX, the B of A employee seemed to be very focused on getting me to change accounts - I think she was trying to meet her sales goals! 

I would love to talk to Bank of America management to straighten out this very upsetting problem. I feel I deserve better treatment from a Bank where I have been a very good customer for 12 years. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-08-29 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX /XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My private student loans were made and serviced by XXXX. My loan were originally on a 10 year term, but in year four or five of the loan, i changed the loan to a 20 year term. 
As a result, my monthly payments were {$140.00}. In XX/XX/XXXX, the loans were transferred to XXXX. The first few payments were for a similar amount, but then in XX/XX/XXXX, XXXX unilaterally increased my payment amount to {$1300.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted XXXX, they said that the only documentation they had was that my loans were on a 10 year term, and  therefore they increased my payments to {$1300.00}. However, XXXX is ignoring that my statements and payments for the past 4 years reflected a 20 year repayment schedule. I believe that XXXX did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Outsource Services, Inc. d/b/a National Acceptance Company
State: FL

Complaint narrative:
I committed to a 16 week weight loss challenge on XX/XX/XXXX. The contracted stated that after you complete the 16week challenge, send a certified letter to National Acceptance Company XXXX XXXX XXXX XXXX, PA XXXX. I faithfully paid the monthly amount of {$50.00} for 16 consecutive weeks. After I completed the program and sent them the letter, they denied my request to cancel and stated I needed to complete the 1 year agreement. This was clearly a mis representation and a bait and switch scheme. I have stopped the payments from my credit card and contacted them to stop harassing me regarding delinquent payments. They keep calling me and threatening to report me to the credit bureau and ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: MD

Complaint narrative:
I received a loan in the amount of {$450.00} from XXXX  XXXX around beginning of XX/XX/XXXX, 2017. I have made a payment every 2 weeks since it is automatically taken from my checking account and my balance never seems to go down. I have since then stopped making payments but have made payments over {$700.00} already. Please help the interest is ridiculous. I had no problem paying for what I borrowed which I already have and over that amount but the fees and interest is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: FL

Complaint narrative:
Wyndham Capital Mortgage presented me a refinance at 4.875 % interest with 0.887 % of Loan Amount Discount points with a 60 day lock on XX/XX/XXXX. 
The closing took place on XX/XX/XXXX and they charged me 1.012 % of Loan Amount Discount point plus a Borrower Paid Lock Ext of {$220.00}. 
I was totally unaware of this increase on discount point and this Lock Ext until two days prior to the closing ; therefore, I did n't have time to fight this. 
I decided to close anyways and file a complaint. I let them know that I was going to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
On XX/XX/XXXX a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this, I contacted XXXX/XXXX  XXXX XXXX XXXX who investigated the same and verified that the contract employee had fraudulently signed the previously mentioned agreements in my name. XXXX XXXX XXXX XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services in a timely manner and yet I am still being billed for services that I did not agree to receiving. 

Collection efforts are now being instituted against me by ERC located at XXXX XXXX XXXX, XXXX, FL XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. 

I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was very familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she would be willing to verify this fact in writing if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My grandmother-in-law ( " grandma '' ) unfortunately has a reverse mortgage on her primary address. My grandmother is originally from the XXXX and English is her second language and is XXXX years old. 

In XX/XX/XXXX, my Grandma 's home was foreclosed and sold. Ever since her husband had XXXX, she did not understand how to get her own home insurance, therefore XXXX XXXX who held her Reverse Mortgage would force place home insurance on her property. Grandma did n't understand how the payments would work and would eventually get them paid late. Unfortunately, the XX/XX/XXXX amount of {$2100.00} was never paid and XXXX foreclosed. Grandma had the unfortunate event of having the new owner come to her house which confused her greatly. This is where she got me involved to see if I could help. Through a month of phone calls and pleading, XXXX was able to contact the new owner of the home and get the sale of the home reverse and the rescinded the foreclosure. 

In XX/XX/XXXX, it was time for the next year 's of insurance to be paid. Grandma made the {$2000.00} payment in XX/XX/XXXX or XX/XX/XXXXto pay for the full year of home insurance. No monthly payment option was available. 

In XX/XX/XXXX I was contacted and informed that her maximum claim amount was going to be reached and that her reverse mortgage was going to be transferred to H.U.D. for servicing. This could only happen after she obtains her own home insurance. 

In XX/XX/XXXX, we were able to secure new home insurance for grandma 's home and had to pay a full that new premium for her own insurance. We contact XXXX XXXX and informed us that grandma was due a {$1100.00} refund for the original forced place insurance. 

Since XX/XX/XXXX, we have continually contacted XXXX XXXX and they have not been able to inform us why grandma 's check has not been sent to her. They continually tell us that they are researching this with never an answer. We are now in XX/XX/XXXX and I have contacted them for three straight days and they still can not provide us an answer. 

Grandma is on a fixed income and desperately needs those funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
We are a third party firm contracted by the borrowers towards getting a short sale of their home completed. Midland Credit Management , Inc is a junior lien holder of approximately  {$10000.00} in debt from the borrowers. We have made repeated attempts to get them to accept less than the full amount due in order to get the short sale closed and completed, specifically because if the property goes into foreclosure they will not receive anything. 

We have asked for a partial settlement, thereby releasing the lien on the property and even having them not waive the remainder of the deficiency to complete more debt collection offers and they are not allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: MD

Complaint narrative:
From X/X/2016 - XX/X/2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Husband XXXX XX/XX/XXXX ; notified Fifth Third Bank in XXXX, OH, and spoke with ( XXXX ) in the dept. handling XXXX issues ; my concern was about getting vehicle re-registered with DMV so my name would appear lien and Registration ; I was told to go to DMV because they were n't sure if they would allow it. I went to DMV and explained what I needed, and they gave me a " Transfer of Certificate of Title With Lien '' form for me to fax to the Lienholder/Representative ( Fifth Third Bank, Contact # XXXX ). I called back on XX/XX/XXXX, and spoke with an XXXX, but quickly got off phone because of her personality ; not someone I needed to speak, considering I 'd recently XXXX my XXXX XXXX. Called back to speak with ( XXXX ), who was very nice on my first contact with this Bank, but he was unavailable, so I spoke with a ( XXXX ) ; I asked could I fax the DMV form and XXXX Certificate to them, but was told I could, but they would not complete the form because I was not on the loan. My response was I know but I am maintaining payments, until loan is paid in full and only wish to be able to get the vehicle registered with DMV appropriately ; they would still have the Lien, and would still get their money. Loan has and is still in good standing. When I contacted them initially they had me believing that if the DMV is would accept such a transaction, it would be no problem. Their main concern was if I was going to keep the vehicle, and my response was yes, I would continue making the payments on time ; but now they want me to pay the loan off ; that 's easier said than done.l I 'm not rich, however, I 'm a retired, now XXXX, and will pay my husband 's loan. Look like their should be some type of provision for situations of this nature, especially when the XXXX is already going through so much mentally from the XXXX XXXX XXXX XXXX XXXX. I feel I should not have to be stressed with going and getting a new loan for my husband 's vehicle. I 'm not asking for a handout, just asking for help to keep paperwork with DMV straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
To whom this may concern Navient is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have been working with a third party short sale processing firm in order to complete the short sale of our home. Chase has refused to review the short sale for approval without the approval letter from the junior lien saying that they are willing to accept {$1500.00} to release the lien. 

The third party company has worked hundreds of short sales where these mortgage banks WILL review the short sale with a preliminary HUD settlement statement WITHOUT having any settlement letters from the junior liens, 2nd mortgages, HOA 's etc. 

Not only that, but they have worked with Chase in short sales before whereby they have NOT asked for the junior lien, 2nd mortgage, HOA etc approval letters BEFORE reviewing it themselves. 

The third party company has already escalated the issue within Chase with multiple managers, the Military escalation department, and the Consumer Advocacy department to no avail. This needs to be completed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc.
State: NC

Complaint narrative:
On Monday XXXX XXXX, XXXX, my mother received a call from XXXX XXXX regarding a collection that they have for me. They left a voicemail saying they were wanting to know how to locate me. She said she was from the XXXX XXXX XXXX XXXX there is legal litigation being filed against you. 
She said it was court case # XXXX & their phone # is XXXX. 

On Friday, XXXX XXXX XXXX. They proceeded to contact my spouse and he missed the call. A voicemail was left advising him that they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement. 
I attempted to return the call, received a voicemail that was full and unable to accept messages. 
They then contacted my husband 's ex-wife. They released the same information to her, advising her they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: DISCOVER BANK
State: WI

Complaint narrative:
I purchased tires from XXXX and also purchased the installation package ( to be completed by their technicians ) and road hazard with my Discover card. The next day on the way to my cabin I encountered turbulent handling and loud road noise. I took the vehichle to the local mechanic who said the tires had been inproperly installed and 2 had not even been weighted ... VERY dangerous. I spent a week going back and forth with XXXX and the very rude Manager at the location who advised me to " bring it back in '' obviously I could n't since it was over 200 miles away ... I had the shop make the corrections and rebalancing which I paid for with my Discover card also. 

I contact Discover to file the dispute and they have been unprofessional, unresponsive and yesterday forwarded me a notice saying the charge was valid and attached a reciept from XXXX with my signature ... DUH!!!!!!!!!!!!!!!!! The issue IS NOT my card was used fraudulently, it is that the services I received were unsatisfactory and quite frankly life endangering. Discover did not handle this properly and I will not pay this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I called and spoke with company in XXXX. I gave the employee an updated address to mail me something about the amount owed. I emailed XXXXXXXXXXXX about not receiving the letter. It is a little confusing because the letter has fraud as XXXX charge but when I did a search on XXXX XXXX XXXX 's website there is an document that has XXXX. I think it is in the official records search. 

Text from email : To whom it may concern, Please forward this email to the appropriate department. I was told on XX/XX/XXXX that a letter was being mailed to me. I still have not received a letter. The online payment number that is provided on the letter dated XX/XX/XXXX is XXXX. There is also another question that I have that I asked an employee at the XXXX XXXX XXXX XXXX about a corrected document that shows on a search that has XXXX as the charge but the letter mailed to me in XXXX  has Fraud Insuff Funds. Please look into this. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation