vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XXXX I received a copy of my EXPERIAN credit report and have noticed the following inaccuracies : Wrong Address : XXXX XXXX XXXX XXXX, AZ XXXX - delete this item Inquiry over 2 years old : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX -delete this item

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 2018-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to open a savings account with Discover Bank over the phone and they asked for pictures of my drivers license. On XX/XX/XXXX I called back and they asked for more documents. They refused to open the account, accused me of fraud and impersonating myself and then cancelled my application because I'm XXXX  and they didn't think my voice matched my XXXX XXXX, which is reflected on my drivers license as female.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit.Screen shut does not constitute a validation, you have to provide me with document with my signature on, cancel check, payment records and all according with FDCPA and FCRA, failure to provide these may result in litigation that could ward me with {$1000.00}, per item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advanced Call Center Technologies, LLC
State: IL

Complaint narrative:
A letter was sent from ADVANCED CALL CENTER TECHNOLOGIES LLC about a XXXX credit card by XXXX XXXX. 

This company, XXXX credit card XXXX XXXX  changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
A letter was sent from XXXX XXXX XXXX XXXX XXXX about a walmart credit card by XXXX XXXX. 

This company, walmart credit card XXXX XXXX changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party

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 2018-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
XX/XX/18 they sent me a copied bill of XXXX XXXX claiming that I owe them this debt, has no proof this is mines also put it on my credit with out proof also. I once fought this debt before and got it removed because also didn't have any proof. the collector was sold this debt and now trying to come after me for the same debt. Ive asked for proof but never got proof from this collector yet to date. they only sent copies of a bill saying its mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On and about the month in XXXX, 2018, I noticed there was an unauthorized withdrawal made of {$1500.00} dollars from my checking account. I immediately visited a branch of Citibank and froze this account to prevent additional fund withdrawal and transferred my remaining funds into a new account to protect against this happening again. Several weeks later an internal investigation was initiated by me because the question of why this happened in the first place was not answered regarding this unauthorized withdrawal in XX/XX/XXXX. Instead, they identified that the arm of their management investment Co. associated with Citibank had withdrawn the funds and that this investigation was closed, without an explanation of why years later, about 11 years later, they are withdrawing money from my checking account that had nothing to do with investments I had opened and closed years earlier around XX/XX/XXXX/XX/XX/XXXX during those year 's recession period. A new investigation with a new investigation reference number was opened about two months ago and to date I have not gotten my money back, nor a reasonable, legal explanation from their own management investment arm that I had opened and then closed around XX/XX/XXXX/XX/XX/XXXX because of the recession. I closed these accounts back then and I believe they were ROTH and a stocks investments amounts.

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 2018-10-14 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: TX

Complaint narrative:
I purchased a new XXXX  XXXX at XXXX XXXX XXXX on XXXX XXXX, 2018, they sold the car to me at 4.59 % interest rate with my tier one credit. I was never offered the 0 % that they had at the time. 
What I was offered was 1 ) Don't take the rebate of {$1500.00} and get 2.99 %. 
2 ) Take the rebate and pay 4.59 %. 
3 ) 0 % was never offered to me. 

Total price - {$24000.00} less {$10.00} ( cash down ) = Loan amount {$14000.00} at 4.59 % Date of Purchase - XX/XX/2018 Tier one credit - Score XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
I took a loan out with Lending Point in XXXX of 2018. I have been paying the loan but the date due kept escalating. I sent an email to customer service asking for a set date. I received a response and was told that in order to have a set date my payment would increase. I agreed to this adjustment and signed the necessary paperwork via XXXX. I was informed my new payment would be due on the XXXX of every month. 

I then received an email for that next month saying my payment was delinquent since prior to me adjusting my loan the payment due date would have been the XXXX of the month and this would have been then XX/XX/XXXX. I replied to the email that I had locked in my loan and the payment was now set to draft on the XXXX of every month. 

Two days later I received a call from a woman at XXXX XXXX stating that I was delinquent and I must make a payment. I informed her that I had already responded to an email that was sent to me regarding this issue and that I now had a set date for my payment to be withdrawn monthly, on the XXXX. She acknowledged that she had seen the payment was set to be taken out on the XXXX. She asked who I sent the email to and when I went to look for the email, our call was disconnected. 

I then sent an email to the woman I initially made the change with to confirm that my payment was to be taken out on the XXXX and she acknowledged that it in fact was processing the withdrawal and she wasn't sure why anyone would be calling me. 

Three days later I receive a phone call from my son telling me that this same woman ( he confirmed the actual number ) was calling him telling him that she had to get in contact with me and that it was a very urgent matter. This woman spoke to me, acknowledged my payment that was scheduled but yet continued to dun me and to call my emergency contacts and causing problems for me that she had no right to under the fair debt collection practices act. 

I have called the company to discuss my disgust regarding this matter and the fact that something must be done as she was trying to bully me into making additional payments that were not due. I was promised notification of resolution to this matter but have received none to date. I am hopeful that you will be able to assist me in resolution to these unfair practices by this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergys
State: IL

Complaint narrative:
Received letter from collections in reference to a debt from XXXX XXXX for XXXX XXXX XXXX. 

The collection agency, the 1st party XXXX XXXX XXXX XXXX XXXX   changed the address without authorization. 

The address is only a forwarding for care of.I never gave authorization for any change of address, contact to this address and or other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Our first mortgage is privately held. It is recorded properly, all documents on file in the public record. We receive a XXXX, and have proof of all payments. We applied for a home equity loan with XXXX XXXX XXXX XXXX and was denied - " Ineligible first lien financing ''. When I asked what the issue was - I was told that they don't lend behind a private mortgage. I do not believe a lender can discriminate based on who holds our first loan if we can show all of the same documentation that could be found on a bank issued loan. Also - the definition of " private '' loan does not appear in any lending laws I see - what is a bank vs private? The term is vague and I do not think we can be denied if our loan is paid just as a bank issued loan is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2018, i made a purchase on credit card for {$130.00} to a musical event. The vendor promised that food and drinks were included in the purchase price. Upon attending the event it became apparent that the event planners did not prepare sufficient food for the massive crowd. We left the event without receiving any food. 

On XX/XX/XXXX, I filed a complaint with Capital One Bank disputing the fact that vendor did not or could not deliver food service as advertised on the event documentation. Capital One Bank disallowed a credit to the account because they stated that the complaint " lacked a refund voucher ''. 

I find that the conclusion is unacceptable and that is the reason I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: COMMERCE BANK
State: OH

Complaint narrative:
I had a credit card with Commerce Bank. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. Commerce Bank was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But Commerce Bank stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: OH

Complaint narrative:
I had a credit card with XXXX XXXX. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. XXXX XXXX was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But XXXX XXXX stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.

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 2018-10-14 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: OH

Complaint narrative:
I had a credit card with XXXX XXXX. As my father passed away on XX/XX/2016, I had to travel to XXXX to attend his funeral. I was living in XXXX for 6 months to handle the legal cases regarding the heritage. XXXX XXXX was supposed to send me the e-bills through email because I had enrolled into the electronic statement when I was applying for the credit card. But XXXX XXXX stopped to notify during my travel. I became aware of the unpaid balance when I got back to my home in United States in XX/XX/2016 because I received an overdue notification from them in the mail. As soon as I paid off all the balance, they closed my account. I have made several attempts to contact them to dispute the credit reporting, they did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
Hello, I am reaching out because I need assistance in resolving this issue. I tried logging into my account after I got off work on Friday XX/XX/28. Upon logging into the account, I was unable to make a payment. The system required me to make two payments. I then tried to call the payment center to make a payment by phone. Because I have a loan modification application, the system directs you to speak to a representative. Because it was after hours I could not make the payment. I am now required to make 2 payments in order to bring my account current. 

I am being punished for having a loan modification on file. It seems as Amerihome is purposefully keeping me from making a payment on my account. I was told in order to make a payment I could pay a fee or mail the payment in. I made the payment. Now, I have to suffer with a late payment on my credit report which is unfair. 

I have also reached out for assistance with my mortgage loan to get a reduction in my mortgage payment which includes prinicipal. I am dealing with a property underwater, sewage system failing and I am still fighting desperately to keep my home after being diagnosed with XXXX. And having 5 XXXX. Durning this process, I submitted a signed letter from the doctor which showed the time I was required to have off work. amrihome then required me to give the reason for the diagnosis. I had to disclose the XXXX, which I feel is a invasion of privacy. If I have a signed document from a doctor that should have been suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Yesterday XX/XX/XXXX I went into purchase from Lowe 's and was told my line was decreased by {$5000.00} mind you, I have been with this company since 2000 and have paid in full many times never ever going 30 days past due, so i called as i was in the store and was told by a woman in another area of the world that i could request credit increase missing my point entirely. Then was transferred to a supervisor who had no clue really what my complaint was just to say it was my score that they determined and was made on XX/XX/XXXX after explaining my issue that I have been with them for over 18 years I was told there was nothing he could do ... and was he very basic, monatone not understanding SO i then asked for another supervisor and was told that he could not do anything except escalate what i just told the the last supervisor which makes no sense, do they even understand what i was asking for? I know for a fact that credit companies can make decisions to turn the line back on, extend and reinstate just like that. I do NOT believe that they can just pass the buck and act like I am nothing after paying over {$50000.00} + to them- I guess what I am saying is if goes by credit do they not look at the history with them on my credit? I will be taking my business elsewhere.

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 2018-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XX/XX/2018, I made a Principal payment to the loan. This was after the auto-paid monthly payment was processed. PENNYMAC took out a second interest and escrow payment. I called, emailed and send a letter to the PM offices. It took some time but it was fixed and confirmed, finally, after the next months regular payment. 

T ensure PM could not misunderstand my intentions I sent a USPS Priority Mail envelope with two checks and a very specific letter inside with details on applying payments to Principal and what the final Principal amount would be after payment was applied. 

They did it again, diverted Principal payment to interest and escrow. I can't tell if this is incompetence or corruption but I need this fixed and the funds applied as intended. Banking reform and consumer protection doesn't seem to stop these folks from trying to nickel and dime folks. I have all the documents and will attach them if that is included with this submission page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX my credit report ( see attached ) there is an incorrect address on my Equifax profile listed as follows : Wrong Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX -This item must be deleted

Company response to consumer: Closed with explanation