vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I first got my debt notice from GLA Collection Company and on the back of the page it asked if I had any insurance information. I filled out the back of the page and never heard anything if they filed with insurance or not. 
I got another letter saying I owed money. I called and asked if they ran it through my insurance. 
The guy on the phone XXXX was very rude and told me he was not going to check with my insurance that he did n't have to and it was past the point for that. 
I then got a letter on XXXX XXXX 2017 that says I have 60 days from the date of this letter to make the payment in full. 
A week later I got another letter that said I had 10 days to pay and that I need to call this number XXXX. 
I called the number and again the guy was very rude and told me that I did n't have 60 days I only had the 10. I asked why I got this letter that said 60 days and he said he did n't know and did n't care. 
I just thought that was very rude and he was just did n't care about working with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: VA

Complaint narrative:
I signed up for the loan over the phone, I feel tricked as I did n't understand how much interest I would end up paying. I initially borrowed XXXX dollars, at the end of the loan I have paid nearly XXXX in 6 months. On XXXX XXXX I emailed the company stating I would no longer be paying interest on a loan that has been paid plus XXXX in interest. I recieved no response until XXXX XXXX when they took an additional XXXX from my account plus the monthly payment.

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 2017-10-11 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was pulled off of the XXXX XXXX XXXX, by a XXXX XXXX when my complaint became personal to the board. I have spoken to the CF.P.B. ( # XXXX ) on the XXXX day of XX/XX/XXXX ( start of this case ). I have been abused, financial, by the XXXX XXXX because of my complaints with the F.t.c. I recently found out about a XXXX XXXX called the XXXX XXXX using my name spitefully because of the XXXX XXXX Crash. Let me start by explaining my previous issue with my first Credit Card of XXXX   XXXX, during the XXXX XXXX conspiracy act. My financial problems started with the abuse I sustained while doing business with The XXXX XXXX Credit Card. They were the first to take advantage of me with a false charge of a tobacco sale from XXXX XXXX and a Ferry Ride from XXXX to XXXX. I was told the XXXX XXXX President was responsible for these false charges, while I was helping the F.b.i. stop a child XXXX XXXX traffic problem in the system. I was XXXX XXXX, during the time of my working years, and was told to file XXXX 's XXXX, while arguing my case with the Office of Personal Management. After explaining my case to the Office of Inspector General, the  previous President Obama, left office with a promise of a back-drawn paycheck due in XX/XX/XXXX. The new President Trump, recently claimed he was going to pay me my back pay, and also pay off my complete Chase Credit Card Bill. President Trump is aware of the abuse I sustained determining the correct qualities of my work load, while the banking system disrupted my self worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Outstanding debt with XXXX for articles for incorporation. I had an outstanding debt XXXX XXXX Ref # : XXXX  Balance : {$440.00} CW # : XXXX I had closed out the corporation as part of the XXXX XXXX legal incident of opening numerous accounts. I forgot to clear the issue with XXXX XXXX. They are working on closing out the corporation with the State of Texas.
I received a phone call yesterday from a debt collector : XXXX XXXX Caine & Weiner XXXX XXXX XXXX.
XXXX, TX XXXX  Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX I spoke with XXXX XXXX  and explained I needed more information from XXXX XXXX. After consulting with XXXX XXXX, they have me a 20 % discount on the debt and I payed Invoice # XXXX with a XXXX XXXX ending in XXXX for a total of {$350.00}. While on the phone with XXXX XXXX, we conferenced in XXXX XXXX, and the matter has been closed out.
I have received harassment email from XXXX XXXX. He was on the phone with XXXX XXXX. I have spoken with XXXX XXXX, and they have alerted him the matter is closed. This matter is closed and XXXX XXXX and CFPB should cease harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: TX

Complaint narrative:
inaccurate information destroying my life hippa and cra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CL Holdings LLC
State: CA

Complaint narrative:
I attended XXXX college in XXXX, my federal loan was forgiven in XXXX. But for my XXXX loan I am not able to contact any one about my private loan. I never received my diploma from this school so I feel it is unfair for me to be receiving multiple phone calls and collection letters from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX As well as it affecting my credit I have asked these people at XXXX XXXX XXXX asking them to give me information where I should call about this and who sold them my information but all they can tell me is to agree to a payment plan for {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote XXXX XXXX XXXX and wanted the account closed. Instead, XXXX  sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XXXX XXXX, 2017 was cashed.
Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute.
I am attaching the correspondence which is connected to Case Number ID 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 non-monetary relief
Consumer complaint received 2017-10-11 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: CITIBANK, N.A.
State: VT

Complaint narrative:
I ordered, online, a FREE sample of a vitamin product, with a bonus bottle of another energy vitamin. JUST PAY {$4.00} shipping. Used credit card to pay for shipping only. Citi bank said this practice is not fraud. A scam is not fraud? They stole my card information.

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 2017-10-11 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX I logged onto Santander Consumer USA website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX XXXX XXXX website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX They are stating the payment was due XX/XX/XXXX I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: WV

Complaint narrative:
P & B Capital XXXX keeps calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a letter that I sent to Equifax, XXXX, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BlueChip Financial
State: TN

Complaint narrative:
I was called yesterday regarding a debt, had no prior knowledge about it. Lady was rude and threaten to take me to jail and garnish my wages. I asked for a written letter before making payments and was refused. They called again and was rude yet again, I was threaten again with jail and wage garnishment. I again asked for this in writing and was told they couldnt and have mailed things before. I have not gotten anything. Was called a liar as well and hung up on

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Applied for EQUIFAX free XXXX  XXXX providing all requested information. 
Received email on XXXX/XXXX/XXXX with link " take final steps in enrolling. '' I had accidentally discarded email with link. 
Called EQUIFAX and was told there was freeze ( which I requested ) and therefore free protection was not available without going through unfreeze process. 

I would like promised free protection without expending more time on this. 

Note : when calling EQUIFAX they want full SSN - this form makes clear all they need is last four digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: Admin Recovery, LLC
State: IL

Complaint narrative:
I spoke with this company back in the summer of XXXX and told them to stop calling my friend about this collection. The person I spoke with told me that when they ca n't get a hold of the debt holder that they call any numbers associated with their address and assured me that they would stop calling my friend. I have recently discovered information that makes me think my payments are not going where they should and stopped those payments last week. They began calling me and they same friend. I spoke with a supervisor on XXXX to discuss the issue of my money and the payments and also brought up again that they are calling my friend. The supervisor assured me that the only number they had for me was my cell. I explained to him what i was told the year prior and they she just told me they called her again and he assured me they did not do that. Now today, XXXX my son, who is a minor, tells me he is now getting the calls and voicemails from this company. I have instructed him to leave the voicemail and the phone number in his history in case they deny it again. They have a working number for me, and I even spoke with a supervisor last week and told them why i stopped payments and what my next steps are and they are now embarrassing my friend and MY CHILD.

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 2017-10-11 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the XXXX and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the XXXX and XXXX a Bureaus have not provided the proper validation which violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching a letter that I sent to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have done by, and I have not yet received responses.

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 2017-10-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am attaching a letter that I sent to XXXX, Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.

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 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
My wife and I closed on a house in XXXX, TN in XX/XX/XXXX. We utilized a conventional loan structure on a loan amount of {$250000.00}. At the time, housing prices in our area were increasing quickly due to tremendous demand. Our lender notified us that, once we had realized a gain of 20 % in equity based upon the increased market value, we would be able to drop PMI. 

Since XX/XX/XXXX, housing prices in our neighborhood have continued to climb at a rapid rate. The XXXX housing market has proven to be one of the hottest in America. We currently pay $ XXXX in PMI, so freeing ourselves of that payment has become a top priority. We have made XXXX payments on the loan and have never been late on a payment. A comparable home sold on our street and, using the price per square foot that it sold for, we would have realized a 20 % gain in equity. I will attach that information, along with other comparable home selling prices, in the attachment portion of this complaint. 

We have added a 16 ' x 20 ' wooden deck to the back of our house. We have also added a 6 ' tall wooden privacy fence around our enormous back yard. 

Once we closed on our home in XX/XX/XXXX, our lender sold our loan to a company called Amerihome.  In earlyXX/XX/XXXX, I reached out to Amerihome to find out how I began the process of dropping PMI from our monthly mortgage payment. The responded with a letter that stated : " PLEASE NOTE THAT WE CAN ONLY CONSIDER THE INCREASED VALUE OF THE PROPERTY DIRECTLY RELATED TO THE IMPROVEMENTS MADE. WE CAN NOT CONSIDER INCREASED VALUE RESULTING FROM MARKET CONDITIONS. '' Amerihome went on to state that, if I wanted to continue with my petition for dropping PMI, I would need to order an appraisal through them. I would need to send a check for {$470.00} directly to their office. 

My complaint stems from wanting to know my rights in this situation. Should Amerihome recognize the increase in market value as realization of equity? If I sold this house right now, I would not entertain any offers below {$33000.00}. Should I be forced to use Amerihome 's appraisal company? One would think it would need to be an unaffiliated appraisal company. 

I have attached below four items : 1 ) The response letter from Amerihome 2 ) A list of comparable homes ( along with selling prices ) that have recently sold in my neighborhood 3 ) A picture of the deck that we added 4 ) a picture of the fence that we added

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The transaction amount that was credited back to my America Express Card was $XXXX making the account a total amount of $XXXX.. XXXX XXXX XXXX. located at XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Ref# XXXX.  This is what's happen now 
XXXX 
To:
XXXX

XXXX XXXX XXXX XXXX XXXX

My name is XXXX XXXX.  On XXXX XXXX I authorized my card for payment to XXXX XXXX XXXX in the amount of$ XXXX on XXXX XXXX XXXX and $XXXX on XXXX XXXX XXXX.  The entire amount was credited back to the account on XXXX XXXX XXXX.  I have the conformation.  I will not wait thirty days for all my money.  I Will give your agency until tomorrow XXXX XXXX XXXX to make my money available to me.  If this has not happened I will contact the CONSUMER FINANCIAL PROTECTION BUREAU.  IF this is not resolved I will start Legal actions.  I will be asking for more than $ 360.00. Someone my call me@ XXXX XXXX XXXX.  I have spoke with three of your Employees XXXX, XXXX, XXXX all with Customers Service/Blue bird.  All has lied.    These people are holding the money that not only belongs to me but a potion that belongs to my Cousin as well.  I refuse to wait fifteen (15) or (30) days for my money.  XXXX has released the funds, so why I have to wait.  When I spoke to one on the Customer Service Person, I was told their office was located in the XXXX.  Theses funds were taken out the same day requested, the funds should be back in my account by now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote ACCORD AND SATISFACTION and wanted the account closed. Instead, XXXX sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XX/XX/XXXX was cashed. 

Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute. 

I am attaching the correspondence which is connected to Case Number ID 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 non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: KBHS Home Loans, LLC
State: NV

Complaint narrative:
ESCROW PAYMENT INCORRECT, BECAUSE XXXX XXXX REFUSED TO ACCEPT MY ( TAX-EXEMPTION ) AS I AM ( XXXX XXXX XXXX XXXX XXXX VETERAN ) " EXEMPTION # XXXX '' FROM NEVADA ASSESSOR OFFICE. TERRIBLE WAY OF SERVING PEOPLE. HANDED ME MY TAX EXEMPT WRITTEN ON A BUSINESS CARD. DESPICABLE NOT PROFESSIONALISM TYPE OF SERVICE, KIND SCARE ; LED TO DISARRAY INFORMATION OF UNSCRUPULOUS CONDUCT I SHALL SAY ... ALSO ; THE MORTGAGE COMPANY SUPPOSE TO REFUND AND REIMBURSED OUR TAX EXEMPTION FROM OUR MORTGAGE PAYMENT, ONCE IT IS SETTLE ON THEIR SIDE OR WHATEVER THE CASE MAYBE. I AM SERIOUSLY CONCERNED BIG TIME ABOUT SERIOUS FRAUDULENT CONDUCT AND ACTIVITY TARGETTING PEOPLE NOWADAYS UNLAWFULLY. SO MUCH SCAMS ACTIVITY ORCHESTRATING BY BUSINESSES NOWADAYS UNLAWFULLY IN VIOLATION OF THE CONSUMER LAW FOREMOST.

Company response to consumer: Closed with explanation